Both corporations and individuals experience various forms of compound interest throughout their lives.

However, the conditions and other factors involved are often too complex, making it difficult to get a rough idea of what's going on.

Ideally, one should be able to predict monthly exact income and expenses after understanding every single condition. However, in reality, it's very common for people to give up due to the hassle, leading to a situation where credit card revolving interest rates significantly exceed unrealized gains from stock investments.

Therefore, I propose an app that allows users to simply input their current assets to get a rough idea of whether they are overall in the black or red, and how much they need to procure by when.

Potential Losses

In the following scenario, there is a loss of approximately 100,000 yen in the first year, and a loss of approximately 830,000 yen after 5 years.

• Credit card revolving balance of 1,000,000 yen (15% annual interest)
• Cash savings of 1,000,000 yen (nearly zero interest rate)
• Index investment of 1,000,000 yen with a 5% return

Overall Flow

• Identify targets (stocks, cryptocurrencies, real estate, bank loans, revolving credit, etc.)
• Decide how strictly to input initial costs, interest rates, etc.
• Develop the app
• Publish it to stores
• Provide ongoing support to paid users