ToolAtlasA = P(1 + r/n)^(nt) with the numbers you type. Useful for intuition. Useless as a promise of future returns.
A spreadsheet cell that says “what if 6% compounded monthly for 10 years” — that is the job. It is education math, the same family as a textbook example, not a robo-advisor.
US product pages love to show a hockey-stick chart. We will not. Fees, tax lots, and sequence-of-returns risk are missing on purpose.
Loan payment schedules belong on mortgage. “What is 6% of this balance” without compounding is percentage.
Homework vs a product APY
“What if 3% for 10 years” is arithmetic. Bank products have day-count, tax, and early-withdrawal rules we do not model. This is not an investment pitch and not a mortgage schedule — that page amortizes a loan you typed.
How to use it
- Enter principal, annual rate, years, and how often you assume compounding.
- Read the future value as a what-if, not a guarantee.
- If you needed a monthly payment on a house, leave.
Honest limits
Not SEC or FCA advice. Not a specific bank APY. Rounding will not match every statement to the penny.