Nettora: Compound Interest

Most compound interest calculators show a number you will never actually receive: the gross one. Nettora shows what is left after tax and inflation. THE REAL RETURN, NOT THE THEORETICAL ONE - capital gains tax with a rate you set yourself, to match your country - average yearly inflation: the result restated in today's purchasing power - gross, net and real final value side by side, no extra maths needed - how much goes to tax and how much inflation eats, in plain figures CONTRIBUTIONS LIKE IN REAL LIFE - weekly, biweekly, monthly, quarterly or yearly contributions - yearly step-up of the contribution, to follow your pay rises - one-off extra deposits in any year you choose - compounding from annual to continuous, including monthly and daily - contribute at the start or at the end of the period THREE WAYS TO USE IT - Projection: what your capital grows into over time - Goal: how much to put in, at what rate, or how long it takes to reach your target - Income: how much you can withdraw each month, how long the capital lasts, your FIRE number NUMBERS YOU CAN ACTUALLY READ - year by year and month by month tables - interactive charts: area, bars and a plus or minus 2% range band - compare saved scenarios before you decide - PDF and CSV export, plus a full data backup 154 CURRENCIES AND 12 LANGUAGES - world currencies with local number formatting - interface in 12 languages - light and dark theme FREE, WITH ADS - every feature is free, with no usage limits - the app shows banner ads - if you want, watch an optional video and hide ads for 24 hours - no in-app purchases, no subscriptions YOUR DATA - no account, no sign-up - your calculations and scenarios stay on your device only - the app works fully offline - ads are served by Google AdMob Nettora is a calculation tool, not financial advice: results are estimates based on the assumptions you enter.