Investment Compound Interest Simulator
Simulate investment growth with DCA, Lump Sum, or Swing Trading strategies. Visualize compound interest over 1-30 years with 5-100% annual returns. Track milestone achievements and get AI-powered investment diagnostics.
Total Assets
₩193,862,254
Total Invested
₩60,800,000
Total Profit
+₩133,062,254
Total Return
+218.9%
Milestones
100M KRW
8years
1B KRW
Not reached
10B KRW
Not reached
100B KRW
Not reached
Portfolio Breakdown
Disclaimer — This simulation is for reference only. Actual investment returns vary based on market conditions. Past performance does not guarantee future results.
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Frequently Asked Questions
Q. What is compound interest?
Compound interest is interest calculated on the initial principal and also on the accumulated interest of previous periods. For example, ₩1M at 20% annual return becomes ₩1.2M after year 1, and ₩1.44M after year 2.
Q. What is the difference between DCA and Lump Sum?
DCA (Dollar Cost Averaging) invests a fixed amount monthly, reducing timing risk. Lump Sum invests everything upfront. Historically, Lump Sum outperforms DCA ~66% of the time in bull markets.
Q. How is Swing Trading calculated?
Swing Trading assumes a 15% additional alpha over the base return rate (1.15x multiplier). Actual swing trading results vary significantly based on market conditions and trader skill.
Q. How long to reach 100M KRW (1억)?
With ₩500K monthly at 20% annual return, you can reach ₩100M in approximately 7-8 years. Use the simulator to check with your specific settings.
Q. Is 20% annual return realistic?
The S&P 500 historical average is ~10% per year. Crypto assets have shown higher returns with greater volatility. 20% is an aggressive target; 7-12% is more conservative.
Q. Can I use these results for real investment decisions?
This simulator is for educational reference only. Actual returns are affected by market volatility, taxes, fees, and inflation. Consult a financial advisor for investment decisions.
Q. What are the milestone markers?
These represent common Korean investment goals: 1억 (~$75K), 10억 (~$750K), 100억 (~$7.5M), 1000억 (~$75M). The simulator shows the estimated year each milestone is reached.
How to Use
Input your initial investment amount (default: ₩800,000).
Select DCA (monthly), Lump Sum, or Swing Trading strategy.
Adjust annual return rate (5-100%) and time horizon (1-30 years) with sliders.
Explore results via Growth Chart, Yearly Table, or AI Diagnosis tabs.
Expert Knowledge: Investment Compound Interest Simulator
Compound interest is famously attributed to Einstein as the "eighth wonder of the world." The Rule of 72 states that dividing 72 by the annual return rate gives the approximate years to double your investment (e.g., 10% return ≈ 7.2 years). DCA was systematically introduced by Benjamin Graham in "The Intelligent Investor" (1949) and is the default strategy for US 401(k) retirement plans. The S&P 500 has returned ~10.3% annually (1926-2024, with dividend reinvestment), while Bitcoin averaged ~200% annually from 2011-2024 but with extreme volatility.
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