Asset Curve
A local compound-growth simulator: estimate future value or the monthly saving needed to hit a goal.
Overview
Asset Curve is a simple compound-growth simulator for iPhone. Enter an initial amount, a monthly contribution, an expected annual return, and a number of years, and it produces a rough estimate of future asset value — along with total contributions, estimated growth, a monthly balance chart, and a year-by-year projection list.
It works in two directions. Future Value mode answers "what might my savings grow to?" Goal Backsolve mode flips the question: enter your current assets, a target amount, an expected return, and a time horizon, and it estimates the monthly contribution that would be needed under the same simplified assumptions. USD is the default unit, with JPY and EUR also selectable.
Asset Curve is deliberately a calculator, not a finance platform: no account, no brokerage connection, no cloud sync, and no network use at all. It is not investment advice — results are approximate simulations that exclude taxes, fees, currency changes, and market volatility, and a persistent disclaimer keeps that clear.
Who It Is For
- Savers who want a quick feel for how monthly contributions could compound over the years
- People planning toward a target amount who want to know the required monthly saving
- Anyone comparing rough what-if scenarios with different return rates and time horizons
- Privacy-conscious users who do not want to type financial figures into an online tool
Main Features
- Future Value mode: estimate a future asset amount from initial amount, monthly contribution, expected annual return, and years
- Goal Backsolve mode: estimate the monthly contribution needed to reach a target amount
- Monthly compounding with end-of-month contributions
- Monthly balance and contribution chart plus a yearly projection list
- USD, JPY, and EUR unit selector
- Wide input ranges: annual return up to 200% and periods up to 100 years
- Fully local — no account, no network connection, no data collection
How to Use
- Choose Future Value mode and enter your initial amount, monthly contribution, expected annual return, and number of years
- Read the estimated future value, total contributions, and estimated growth
- Explore the monthly chart and the yearly projection list to see how the balance builds
- Switch to Goal Backsolve mode, enter your current assets, target amount, return, and years to get the required monthly contribution
- Adjust the inputs to compare rough scenarios — all results are simplified simulations, not predictions
Pricing
Asset Curve is free to download and use on the App Store, with no in-app purchases or paid content. App Store pricing and availability can change, so check the store listing for the latest details.
Privacy
Asset Curve collects no personal data, does not track you, and uses no network services at all — your calculator inputs never leave the device and are not even persisted. There is no account or login.
Screenshots
FAQ
Is Asset Curve free?
Yes. It is free to download and use, with no in-app purchases or paid content. Check the App Store listing for current pricing details.
Does the app see my financial data?
No. Asset Curve uses no network services and collects nothing. Your inputs are processed on the device and are not persisted or transmitted anywhere.
Is this investment advice?
No. Asset Curve does not recommend investments. Results are approximate simulations only and exclude taxes, fees, currency changes, market volatility, and asset allocation — they do not guarantee any outcome.
How are the calculations done?
The simulator uses monthly compounding: the annual rate is divided by 12 and contributions are added at the end of each month. Results include future value, total contributions, estimated growth, and a yearly projection.
Which currencies does it support?
USD is the default, with JPY and EUR also selectable as display units. Switching units applies a simple fixed factor rather than live exchange rates, since the app performs no FX calculation.
Does it work offline?
Yes, completely. The app has no network connection requirement and no external API integration.