Compound Interest Simulator — simulator
and simulation, asset nature example, retirement specialist total.
core official
daywhen
FV = PV × (1 + r)^n
FV: un- value (Future Value)
PV: current value (Present Value)
r: annual revenuerate (number)
n: duration (year)
examplewhen: 1,0000,000 KRW annual 7% 30year investment
FV = 1,000 only × (1.07)^30 = 7,6120,000 KRW
basis quality (month)
FV = PMT × [(1 + r/12)^(12n) - 1] / (r/12)
PMT: month quality
r: annual revenuerate
n: duration (year)
examplewhen: month 500,000 KRW annual 7% 20year quality
FV = 50 only × [(1.00583)^240 - 1] / 0.00583
= 50 only × 520.9 = 200M 6,0450,000 KRW
(KRW 100M 2,0000,000 KRW, revenue 100M 4,0450,000 KRW)
retirement specialist (needed month quality)
PMT = FV × (r/12) / [(1 + r/12)^(12n) - 1]
examplewhen: 20year after 500M needed, annual 7% expectedrevenue
PMT = 500M × 0.00583 / [(1.00583)^240 - 1]
= 500M × 0.00192 = 95.90,000 KRW/month
72 (asset 2 duration)
asset 2 annualnumber ≈ 72 / annual revenuerate(%)
annual revenuerateby 2 duration:
3%: 24year
5%: 14.4year
7%: 10.3year
10%: 7.2year
12%: 6year
15%: 4.8year
asset by expectedrevenuerate
| asset |
annual expectedrevenuerate |
nature(tablelevelgap) |
nature |
| example/quality |
3-4% |
0% |
KRW report, person less than |
|
3-5% |
3-5% |
planquality, total |
| (company) |
4-7% |
5-8% |
within revenue |
| week(within) |
7-10% |
15-20% |
basis nature, |
| week |
7-10% |
14-18% |
minute |
| week |
8-12% |
20-25% |
nature·risk |
| department |
5-8% |
10-15% |
dividend+whentaxgap |
|
3-6% |
15-20% |
person degree |
scenario comparison simulation
annual revenuerate gap impact (month 1000,000 KRW, 30year)
| annual revenuerate |
total KRW |
final asset |
revenue |
revenuerate(total) |
| 3% |
3.600M |
5.800M |
2.200M |
61% |
| 5% |
3.600M |
8.300M |
4.700M |
131% |
| 7% |
3.600M |
12.200M |
8.600M |
239% |
| 10% |
3.600M |
22.600M |
19.000M |
528% |
whenwork timing gap impact (month 500,000 KRW, annual 7%)
| whenwork |
investment duration |
KRW |
final asset |
notes |
| 25tax |
35year |
2.100M |
10.800M |
day whenwork |
| 30tax |
30year |
1.800M |
6.100M |
5year gap -4.700M |
| 35tax |
25year |
1.500M |
4.100M |
|
| 40tax |
20year |
1.200M |
2.600M |
|
retirement design total
retirement specialist needed calculation
month × 12 × retirement after duration(year) × person
reportnumberquality total (person 3%, investmentrevenue 5%):
actual revenuerate = 5% - 3% = 2%
25year retirement , month 3000,000 KRW needed when:
needed specialist = 300 only × 12 / 0.02 × [1 - (1.02)^(-25)]
≈ 7.000M KRW
4% person rule (between):
retirement specialist = annualbetween / 0.04
= 3,6000,000 KRW / 0.04 = 9.000M KRW
pension number reflected
done needed specialist = total needed specialist - pension current
pension expected number (2024 standard, 20year ):
month pyeongbalanced 3000,000 KRW → month approx. 60-800,000 KRW
month pyeongbalanced 5000,000 KRW → month approx. 100-1200,000 KRW
gap itemsperson assetas preparation
simulation capability
## asset nature simulation
**initial investment**: X0,000 KRW | **month quality**: X0,000 KRW | **expected revenuerate**: X%
**investment duration**: Xyear
| annualgap | KRW total | asset value | revenue | revenuerate |
|------|----------|----------|------|--------|
| 5year | X0,000 KRW | X0,000 KRW | X0,000 KRW | X% |
| 10year | X0,000 KRW | X0,000 KRW | X0,000 KRW | X% |
| 15year | X0,000 KRW | X0,000 KRW | X0,000 KRW | X% |
| 20year | X0,000 KRW | X0,000 KRW | X0,000 KRW | X% |
| 30year | X0,000 KRW | X0,000 KRW | X0,000 KRW | X% |
**core insight**: [ and degree timing, tax savings utilization when addition and etc.]
reference
- revenuerate un- reportdegree
- detailed simulation model:
references/simulation-models.md reference
revfactory