Compound Wealth Simulator vs Available Cash

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.

Money in your account isn't always money you can safely spend. Rent is coming. Credit card bills are waiting. Loans still need to be paid, and more expenses may already be ahead. The hard question isn't simply: “How much money do I have?” It's: How much can I safely use right now? When could cash start getting tight? If my income stops, how long can I keep going? Available Cash is built to answer those questions. It brings your cash accounts, income, recurring expenses, credit cards, loans, assets, and future events into one cash-flow model, so you can see how your money may change over the coming weeks and months. Planning a major purchase? Preview the decision first and see what happens to your cash flow after it occurs — across 30 days, 90 days, 180 days, or 1 year. See when a cash shortage may first appear, how large the shortfall could become, and whether your cash flow recovers. Worried about running short later? The timeline brings future income, expenses, and repayments into one place, helping you spot cash pressure before your balance actually becomes a problem. When real life no longer matches the plan, account calibration and credit-card reconciliation help bring the model back in line with your real balances. Available Cash supports cash accounts, credit cards, loans, assets, income sources, recurring income and expenses, future events, projects, and multiple currencies. No bank connection is required. You maintain your own data, with backup and restore tools available when needed. You don't need to predict your life. You just need to see what happens to your money if your current plans continue. Terms of Use (Apple Standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/