Compound Interest Professional is a powerful, spot-on tool for figuring out compound growth, investment returns, savings goals, retirement plans, and withdrawal strategies.
It lets you estimate future value, monthly contributions, required returns, time to reach your goals, and safe withdrawal amounts—all brought to life with easy-to-read charts and detailed tables.

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◆ Core Features
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● Future Value & Compound Growth
Enter your initial amount, monthly contributions, expected annual return, and investment period.
Instantly calculate the future value of stocks, ETFs, index funds, high-yield savings,
or long-term retirement accounts (IRA / Roth IRA / 401(k)).

● Monthly Contribution Calculator
Set a target amount and find how much you need to invest each month.
Perfect for long-term investing, dollar-cost averaging, and financial goal planning.

● Withdrawal & Retirement Simulation
Plan FIRE or retirement withdrawals:
Estimate how long your portfolio will last, or calculate a safe monthly withdrawal amount.
Useful for 4% rule planning, retirement budgeting, and decumulation strategies.

● Time Needed to Reach Your Goal
Based on your returns and contributions, determine how many years it takes to reach a savings or investment target.

● Required Return (CAGR)
Enter your goal, time horizon, and monthly contributions to calculate the CAGR needed to hit your number.

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◆ Visual Charts & High-Precision Modeling
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● Track principal, interest, and total balance over time
● Monthly / yearly compounding options
● High-precision fixed-decimal calculations
● Works for ETFs, index funds, bonds, high-yield savings, college savings, and retirement plans
● Detailed tables for every period

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◆ Who Is This For?
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● Long-term ETF & index fund investors
● Anyone planning retirement (401(k), IRA, Roth IRA)
● FIRE followers and early-retirement planners
● Students and professionals learning compounding, APY, CAGR, and time-value concepts
● Savers planning emergency funds, college savings (529), or major purchases
● Anyone wanting a clean, accurate compound-interest calculator

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◆ Example Scenarios
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“If I invest $500 per month for 25 years at 7% annual return, how much will it grow?”
“How long will $300,000 last if I withdraw $1,500 per month in retirement?”
“What return do I need to reach $1,000,000 by age 50?”
“How much should I invest monthly to hit my FIRE number?”
“What’s the future value of a $20,000 lump-sum invested at 8%?”

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◆ Notes
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This app provides financial calculations only. It does not offer investment advice or recommend any financial products.

Terms of Use:
https://cicalc-74e14.web.app/en/info#terms

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◆ Keywords (safe, natural contextual list)
compound interest calculator, investment calculator, ETF calculator,
index fund growth, IRA calculator, retirement planning, FIRE calculator,
CAGR calculator, savings planner, withdrawal simulator