Accumulate+ Compound Interest

See exactly how your savings grow, and compare your options side by side.

Accumulate+ is a compound interest calculator built for long-term investors. Enter your starting amount, expected annual return, regular contribution (monthly or yearly) and time horizon, and the app instantly charts how your wealth compounds year by year. Save each scenario as a record, then compare records or combine them into one total.
【Key Features】

■ Compound Interest Calculator
• Instant results from principal, contributions, return rate and years
• Monthly or yearly contributions
• Charts that separate what you put in from what you earned

■ Quick Setup
• One-tap presets for 401(k) and Roth IRA to get started in seconds
• Adjust any value afterwards to match your own plan

■ Compare (up to 3 scenarios)
• Put different return rates, contributions or timeframes side by side
• Charts and a summary table make the differences obvious
• Find the plan that gets you to your goal

■ Combine
• Stack several records into one chart to see your total across accounts
• Great for 401(k) + IRA + brokerage, or several savings goals at once

■ Withdrawal Planning
• Model drawing down your savings by a fixed amount or a fixed rate
• See how long your money lasts and how the balance changes each year

■ Year-by-Year Table
• Every year's total principal, interest, balance and return
• Show your age and the calendar year alongside each row

■ Made for iPhone and iPad
• On iPad, your records, chart and table sit side by side. No switching screens
• Live preview while you create or edit a record on iPad
• Dark Mode, large text sizes and VoiceOver supported

【Perfect For】

• Retirement savings: 401(k), IRA, Roth IRA and brokerage accounts
• Financial independence and early retirement (FIRE) planning
• Dollar-cost averaging: seeing what steady monthly investing adds up to
• Saving toward a goal such as a home, college or an emergency fund
• Teaching (or learning) how compound interest really works

【Why Accumulate+】

• Clean, focused interface. No sign-up, no account required
• A handful of inputs. The app handles the math
• Clear charts backed by detailed tables
• Free to use. Focus Mode hides ads for a while after you watch one

Start with what you have, stay consistent, and let time do the heavy lifting. Download Accumulate+ and see where your plan takes you.

Note: This app provides calculations for educational purposes only and does not constitute financial advice. Returns are not guaranteed. Please consult a qualified financial advisor for personalized guidance.