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.