Developer advocates for period-by-period simulation in compound interest calculators

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A developer has created a compound interest calculator that simulates growth period by period rather than relying solely on a final formula. The tool generates yearly breakdowns to show how contributions and interest accumulation interact over time. This approach aims to increase transparency by allowing users to inspect annual principal and balance data. The calculator acknowledges limitations, excluding factors like taxes, inflation, and variable returns. The developer argues this method makes assumptions more visible than traditional authoritative-looking financial tools.

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