Denarius vs Compound Wealth Simulator

It easily calculates compound interest, mortgage payments, and annual percentage yields. It is also a retirement simulation calculator.

Compound Interest Calculator helps you visualize long-term investments with realistic, inflation-adjusted projections. Reverse-calculate from your savings goal, set independent contribution and growth periods, and plan with confidence for FIRE, retirement, or any long-term financial milestone. ■ Who this is for - Anyone planning long-term investments (IRA, Roth IRA, 401(k), ISA, NISA, iDeCo) - The FIRE community - Retirement planners - Goal-based savers - Inflation-conscious investors ■ 3 Calculation Modes - Calculate — Future value from initial assets and contributions - Reverse — Required monthly contribution to reach your goal - Compare — 3 return scenarios side by side ■ Independent Contribution Period Set your contribution years separately from your overall growth period (e.g. contribute for the first 10 years of a 30-year horizon, then let the balance compound). The chart highlights when contributions stop with a visual marker. ■ "Time to Goal" Reverse Calculation Calculate how long it takes to reach your target as "X years Y months." Just enter your monthly contribution and assumed return rate. ■ Inflation-Aware Display both nominal and real (purchasing-power) returns. Especially useful for users in high-inflation economies who want to understand the true future value of their savings. ■ 23 Currencies, 7 Languages Major world currencies including USD, EUR, GBP, JPY, CNY, KRW, INR, BRL, MXN, TRY. UI in English, Japanese, Chinese, Korean, Hindi, Spanish, and Portuguese. ■ Locale-Aware Number Formatting - Japan / China — 万, 億, 兆 - India — Lakh, Crore - English-speaking — K, M, B, T Numbers display in the format locals naturally read. ■ Privacy & Ads - All calculations happen on-device. Your input data is never sent to our servers. - This app is free, supported by in-app advertising. ■ Technical - iOS 15.6 or later - iPhone only ■ Disclaimer Calculations are simulations and do not guarantee future investment performance or inflation rates. Investment decisions are your own responsibility.