Tool 132 · Cat-10 · Personal Finance

Compound Interest Explorer

Model real vs. nominal growth with tax-drag overlay and inflation adjustment. See the true cost of fees, compare taxable vs. IRA vs. Roth accounts, and visualize the year-by-year snowball. Zero API. Zero PII.

v1.0

Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.

Educational Use Only This tool provides a self-assessment / educational framework for internal planning purposes only. It is not a regulatory audit, legal advice, or a substitute for a formal compliance review by a qualified advisor. Verify all interpretations against the official source text and applicable RTS/ITS/guidance published by the relevant authority.

Module 1 · Inputs

Initial Investment ($)

Monthly Contribution ($)

Compound Frequency

Years to Grow30 yrs

Annual Return (%)9%

Fee / Expense Ratio (%)0.1%

Inflation Rate (%)3%

Tax Rate on Gains (%)15%

Filing Status (for CG rate reference) Account Type

Nominal End Value

—

Before inflation adj.

Real (Inflation-Adj.)

—

Today's purchasing power

After-Tax Value

—

Rule of 72
Enter a return rate to see doubling time.

Total Contributed

—

Interest Earned

—

Fee Drag (Lost)

—

Growth Curve — Nominal / After-Fee / Real / Contributed

Year-by-Year Breakdown (every 5 years)

Year	Nominal	After Fee	Real Value	After Tax

Save & Share Scenario

Your Scenario Code

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