Lit vs Compound Interest

Track your path to Financial Independence with Lit — the beautifully designed FIRE progress tracker that makes your money goals clear. See exactly when you'll be financially free. Lit calculates your projected FI date, shows your progress in a stunning visual dashboard, and gives you the insights you need to stay on track. FIRE PROGRESS DASHBOARD - Visual FIRE Meter showing your exact progress percentage - Projected financial independence date and retirement age - Investable net worth, FIRE number, and remaining-to-FIRE tracking - 4% Rule withdrawal calculator — see what you can safely withdraw today vs. at FIRE - Coast FIRE tracking to know when you can stop saving and still retire on time - Investment health indicator and emergency fund calculator - Milestone celebrations as you hit 25%, 50%, 75%, and 100% ACCOUNT MANAGEMENT - Track investment accounts, cash, real estate, and liabilities in one place - Asset allocation breakdown with health status indicators - Emergency fund progress tracking - Net worth summary across all account types PLAYGROUND MODE - Test "what if" scenarios without affecting your real data - Adjust savings rate, expenses, or returns and see the impact instantly - Save and compare multiple scenarios side by side SMART FIRE CALCULATOR - Auto-calculate your FIRE number from your target monthly expenses - Adjust expected returns, inflation rate, and investment frequency - Year-by-year override support for planned life changes LEARN FIRE FUNDAMENTALS - 20+ built-in lessons covering everything from the 4% rule to Coast FIRE - Topics include compound interest, index funds, tax-advantaged accounts, withdrawal strategies, and more - Learn at your own pace, right inside the app EXPORT YOUR DATA - Generate beautiful PDF reports of your FIRE progress - Export raw data as CSV for your own analysis - Share or save scenario reports ADDITIONAL FEATURES - Dark mode for comfortable use day or night - Home screen widget to see your FIRE progress at a glance - Privacy-first — all your financial data is stored locally on your device - Onboarding tour to get you started in minutes Whether you're just discovering FIRE or years into your journey, Lit gives you clarity, motivation, and the tools to reach financial independence faster. Download Lit and take control of your financial future. Terms of Use (EULA): https://litfitracker.com/terms-of-service.html Privacy Policy: https://litfitracker.com/privacy-policy.html

See exactly what time and steady deposits do to your money. Enter a starting amount, a rate, a monthly deposit and the years you are willing to wait — the future value and a full growth chart redraw the instant you change any assumption. Most calculators stop at one number. This one runs an exact month-by-month simulation in decimal arithmetic: interest credited annually, semi-annually, quarterly or monthly; deposits at the start or end of the month; nominal rate and effective annual rate (APY) stated separately instead of quietly conflated; even negative rates handled without breaking. Then it lets you save each projection as a named scenario and lay two of them over each other on one chart. WHAT YOU GET • Your future balance in three honest numbers — final value, what you put in, and the interest time added — recalculated the instant you move a slider • A growth chart that separates your own deposits from compound growth, so you can spot the year interest starts outworking your paycheck • The real answer to "does monthly compounding matter?" — nominal rate and effective APY shown side by side on every projection • An "in today's money" toggle that restates your 30-year balance using your own inflation assumption — never a forecast we invented for you • Saved scenarios with names and colours — house deposit at 4.5%, index fund at 7% — each reopening exactly as you left it • Side-by-side comparison: two growth curves overlaid on one chart, with final balance, deposits and interest lined up underneath PERFECT FOR • Savers deciding whether the high-yield account or the index fund wins over the next 15 years • Parents starting a college fund who want to see what 150 a month actually becomes by graduation • Anyone negotiating with their future self — one more year of deposits, one chart to prove what it buys • Students learning why a 7% nominal rate is not a 7% effective rate, with numbers they chose themselves WHY NOT JUST A SPREADSHEET? A spreadsheet makes you build the formula yourself, and one wrong cell compounds the error — literally — over 600 monthly rows. This app simulates every month in exact decimal arithmetic, lands interest precisely on compounding boundaries, and reproduces the textbook formulas to the cent. You move a slider; it does the maths. PRIVATE BY DEFAULT Everything runs on your device. No account, no sign-up, and your numbers are never uploaded anywhere. Amounts display in your own currency and your keyboard's own decimal separator just works. FULL ACCESS Full Access unlocks unlimited saved scenarios and side-by-side scenario comparison. It is offered as an auto-renewing Weekly or Yearly subscription, or a one-time Lifetime purchase. Prices are shown in the app before you commit; subscriptions renew unless cancelled at least 24 hours before the current period ends and can be managed in your App Store account settings. Download Compound Interest Calculator and find out what your monthly deposit is really worth ten years from now. Terms of Use: https://leanstudio.asia/terms-of-use Privacy Policy: https://leanstudio.asia/privacy-policy Support: support@leanstudio.asia