Voltfolio Lab

Voltfolio Lab is an investment projection calculator and compound-interest
simulator for anyone who wants to understand how saving and investing could play
out over time. Set your starting amount, monthly contribution, expected return
and time horizon, and watch a clear projected value and growth chart update as
you experiment. It is a learning and planning tool — fast, private, and built to
answer "what could this actually grow into?" without accounts, sign-ups or ads.

Everything happens on your device. Open the Lab, enter your assumptions, and tap
Calculate to see the projected future value, your total contributions, the
growth on top, and an inflation-adjusted figure so tomorrow's number is shown in
today's money. A projection preview chart plots the path year by year so the
effect of compounding is something you can see, not just read about.

KEY FEATURES
✓ Investment Lab — project future value from your initial amount, monthly
contribution, annual return, time horizon, optional yearly step-up and
inflation, with a live growth chart.
✓ Scenarios — save unlimited plans side by side (Conservative, Balanced, Growth
or your own), each with its own colour, and reopen or edit them any time.
✓ Compare — put two or three scenarios head to head and see exactly how much
more one strategy projects over another, in money and in percent.
✓ What If — test a single change instantly: contribute a little more, delay the
start, nudge the expected return, or extend the horizon, and see the impact.
✓ Goals — work backwards from a target: enter the amount and the years and get
the required monthly contribution, with a progress gauge showing how far your
starting amount already carries you.
✓ Withdrawal planner — estimate how long a pot could last at a chosen monthly
withdrawal, with or without adjusting for inflation, and see a sustainable
monthly figure.
✓ Journal — keep notes, assumptions and reasoning next to your plans so you
remember why you chose a number later.
✓ Settings — set your default currency (USD, EUR, GBP), default expected return
and default inflation once and reuse them everywhere.

HOW IT WORKS
1. Open the Lab and enter your starting amount, monthly contribution, expected
return and number of years.
2. Tap Calculate to see the projected value, contributions, growth and the
inflation-adjusted result on a year-by-year chart.
3. Save it as a scenario, compare it with others, or jump into What If and Goals
to stress-test the plan and find the contribution you actually need.

WHY VOLTFOLIO LAB
It is deliberately simple and completely private. There is no account to create,
nothing to upload, and no advertising. Your scenarios and notes stay on your
phone, the whole app works offline, and the maths is transparent: standard
compound-growth and annuity formulas, with inflation handled explicitly so the
numbers are honest rather than flattering.

PRIVACY
Works fully offline. No account, no tracking, no ads. All scenarios, notes and
settings are stored locally on your device and never sent to a server.

IMPORTANT
Voltfolio Lab is an educational simulation tool. All figures are estimates based
on the assumptions you enter and do not constitute financial advice. Markets vary
and real returns are not guaranteed.

Model today. Understand tomorrow.