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