About CompoundSimulator
A tool built by a developer, not by a bank.
Who's behind this
I'm José Antonio Campano Laborda, full-stack developer and co-founder of NORVEXS, a digital studio based in Spain. I've been shipping production software — and tools like this one — for ten years.
Why this site exists
Most bank calculators are built to sell you a product. I wanted one that was honest about its math: free, no sign-up, no tracking, the formulas visible, and that worked as well on a phone as on a desktop. This is that calculator.
How the math is done (transparency)
Every formula is standard financial math: ordinary and due annuities for compound interest with contributions, the French amortization system for mortgages, inflation discounting, ROI and CAGR for returns. The code is versioned on GitHub. The latest full audit was on June 3, 2026 and fixed two historical bugs in the year-by-year table. If you spot anything off, ping me through contact.
What this site isn't
This is an educational tool, not financial advice. Past performance does not guarantee future returns. The figures are indicative and do not account for your specific tax or personal situation. For real investment decisions, talk to a certified financial advisor (EFPA, EAF, EIP or EAFI in Spain; equivalents in your country).
How to verify me
- LinkedIn — jose-antonio-campano-laborda
- Studio — norvexs.com
- Contact form — /en/contact
What you'll find here
Seven free calculators covering the most common saving decisions: compound interest with contributions, monthly savings, investment returns (ROI and CAGR), mortgage, retirement, inflation and the rule of 72. They all work the same way: you enter your figures, see the result instantly with its chart, and can export or share it. No sign-up, no email asked.
They come with three guides (compound interest, getting started with investing, and retirement planning) and a glossary of the terms that come up most when talking about money. The idea is that the number the calculator gives you arrives with the context needed to interpret it.
Sources and editorial criteria
The articles don't quote specific historical returns and don't recommend products. When an example uses a figure (a 5% return, 2-3% inflation), it's an assumption declared in the text itself, chosen for being conservative and easy to reason about, not a prediction. The formulas are the standard financial math you'll find in any textbook; each calculator shows them expanded so you can check them by hand.
How this site is funded
The site is funded through Google AdSense ads and voluntary donations. There are no affiliate links to brokers, banks or funds: nobody pays us to recommend products, which is why we don't recommend any. If the tool is useful to you and you want to support it, you can do so from the contact page.
