Compound Interest vs InterestLab

Take control of your financial future with Compound Interest Planner, an advanced investment calculator designed to help you simulate, compare and plan your savings with confidence. Whether you're investing for retirement, building wealth, saving for a major purchase or simply exploring different financial scenarios, the app makes it easy to understand how your money can grow over time. Create accurate simulations using both compound and simple interest, visualize long-term growth, compare strategies and make better financial decisions. COMPOUND & SIMPLE INTEREST • Calculate compound or simple interest • Monthly or yearly interest rates • Flexible investment periods in months or years • Initial investment and recurring contributions • Future value calculations • Total invested amount • Total interest earned • Investment return overview PLAN YOUR FINANCIAL GOALS Use the app to plan: • Retirement savings • Long-term investments • Emergency funds • College savings • Wealth building • Monthly investment strategies • Financial goals POWERFUL VISUALIZATION Understand your investment growth with interactive charts and detailed projections. • Investment growth charts • Principal vs. interest visualization • Month-by-month schedule • Detailed investment breakdown COMPARE DIFFERENT SCENARIOS (PRO) Find the best strategy by comparing two simulations side by side. • Compare different rates • Compare contribution amounts • Compare investment periods • Evaluate multiple scenarios before investing ADJUST FOR INFLATION (PRO) See the purchasing power of your future investment using inflation-adjusted calculations. PROGRESSIVE CONTRIBUTIONS (PRO) Simulate increasing your monthly contributions over time to better reflect real investment strategies. SAVE YOUR SIMULATIONS Keep your calculations available whenever you need them. Free • Recent simulation history • Local storage PRO • Unlimited history • Organize simulations • Access previous calculations anytime PERSONALIZE YOUR EXPERIENCE • Light theme • Dark theme • System theme • Multiple currencies • Multiple languages • Default rate settings • Custom calculation preferences WORKS EVERYWHERE • No account required • No login • Works completely offline • Fast and lightweight • Share your simulation results PRO FEATURES • Unlimited history • Compare simulations • Inflation adjustment • Progressive contributions • Advanced charts • Ad-free experience • One-time lifetime purchase • No subscription required Ideal for beginner investors, experienced investors, students and anyone who wants to understand investment growth, estimate future value and make smarter financial decisions. Disclaimer: This application is intended for educational and informational purposes only. Calculations are estimates and should not be considered financial advice. Always consult a qualified financial professional before making investment decisions.

InterestLab is a complete financial calculator toolkit for everyday money decisions — from mortgages and loan payoffs to savings, interest rates, and dates. Clean, fast, and fully offline. Whether you're comparing a home loan, planning to pay off a credit card faster, or projecting how your savings will grow, InterestLab gives you clear numbers, helpful charts, and a shareable PDF — all in seconds. WHAT YOU CAN DO . Mortgage — Enter the home price, down payment, rate, and term to see your monthly principal & interest, total interest, payoff date, a balance-over-time chart, and a full amortization schedule you can export as a PDF. . Loan Payoff — See how long until a balance is paid off and how much interest you'll pay. Add an extra monthly amount to see the time and interest you'd save. . APR ↔ APY — Convert between the nominal (APR) and effective (APY) annual rate for any compounding frequency — the fast way to compare loan and savings offers. . Savings with Deposits — Project growth with recurring monthly deposits, an optional yearly deposit increase, and inflation. Watch it build with a growth curve and an invested-vs-earnings breakdown. . Fixed Income — Model a lump-sum investment over days, months, or years, with inflation-adjusted results. . Loan Rate Finder — Discover the true interest rate hidden in a set of fixed payments — perfect for comparing financing offers. . Variable Income — Track gains and losses on any asset from purchase to sale, with daily, monthly, and annual rates. . Gains (Run-up) & Losses (Drawdown) — Understand the percentage needed to recover a loss, or given back after a gain. . Equivalent Rates & Stated Rate — Convert rates between periods and work with stated/effective rates (SAR / ER). . Dates — Days between two dates (calendar and business days), add or subtract time, and track ages, events, and anniversaries. . History — Save any calculation, search your records, and export or share results as a clean PDF. BUILT FOR PRIVACY InterestLab works fully offline. There are no accounts, no sign-in, no ads, and no tracking. Everything you calculate and save stays on your device — we never see your data. SIMPLE, POLISHED, FAST A tidy home screen, native charts, haptic feedback, Dark Mode, and Dynamic Type support make InterestLab a pleasure to use on any iPhone. PREMIUM (OPTIONAL) The free version covers everyday calculations. A single one-time purchase unlocks unlimited terms for long-range projections — no subscription, ever. Disclaimer: InterestLab provides estimates for informational purposes only and is not financial, tax, or legal advice. Always verify results and consult a professional before making financial decisions.