Compound Wealth Simulator vs 云盈CFO

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.

**云盈CFO — 你的 AI 私人财务长** 无论你是刚起步规划财富，还是已认真思考退休，云盈CFO 都能成为你最懂数字的财务伙伴。我们把曾经只有高净值客户才能享受的私人 CFO 服务，装进每个人的口袋。 **财务全局，一屏掌握** 首页仪表板实时展示净资产、月净现金流和财务健康评分，自动计算距离财务自由（FIRE）所需年限。 **投资组合分析师** 录入资产后，即时计算预期年化回报、波动率、夏普比率和最大回撤。通过 10,000 次蒙特卡洛模拟（对数正态分布模型），预测未来 20 年的 P10 保守、中位数和 P90 乐观路径，并与沪深 300 基准对比。PRO 会员可一键获取 AI 投资优化与再平衡方案。 **养老目标规划** 设定退休年龄和月支出目标，系统自动测算养老储备进度（0-100%）、月度缺口及所需养老年金。净资产增长曲线清晰标注退休时点，让“够不够”变成可计算的答案。 **财务规划引擎** 基于真实收支假设，逐年推演未来 30 年的现金流表：收入、支出、五险一金、个人所得税、净现金流、累计净值。内置六种情景模板（买房、生二孩、提前退休、提前还贷、换工作、收入增长），支持对比模拟，找到最优人生决策路径。 **个税精算引擎** 内置 2024 年最新个税税率表，支持七档累进税率精确计算。自动处理子女教育、住房贷款利息、赡养老人、继续教育等七项专项附加扣除，以及五险一金个人部分扣除。一键模拟年度汇算清缴，提前知道退税还是补缴。 **财务健康评估** 从现金流管理、投资健康、税务效率、退休储备、风险控制五个维度生成雷达图，给出 0-100 综合评分及针对性改善建议。 **AI 财务问答** 随时向 AI 提问：FIRE 进度如何、如何节税、投资组合需不需要再平衡、现在适合买房吗……AI 基于你的真实财务数据给出个性化答案，而非通用建议。 **免费 vs PRO** 核心功能完全免费：净资产追踪、个税计算、养老缺口分析、基础投资组合分析、财务规划现金流表。 PRO 会员解锁： • AI 投资优化与再平衡建议 • AI 深度退休规划分析 • AI 节税方案 • 资产截图 OCR 自动识别 • 财务健康报告导出 • AI 问答每日 10 次（免费版 3 次） 订阅方案灵活，支持月付与年付，可随时取消。 **隐私与安全** 所有财务数据加密传输，不向第三方出售或共享。账户使用手机号验证，敏感信息本地存储。 **立即下载，开始你的财务自由之旅。**