📈 Interactive Tool

Compound Curve

See how your debt compounds over time — and how small changes bend the curve.

Enter your numbers and click Project the Future to see the compounding effect.

📖 What do these terms mean?▼

Annual Debt — The yearly financial loss from your productivity or spending leak. This is the amount you want to reduce.

Growth Rate — The annual percentage increase in your debt. Even 10% can double your debt in ~7 years.

Years — The time horizon you want to project into the future. 10 years shows the true cost of inaction.

Reduction — The amount you can cut from your annual leak. Small cuts compound into huge savings over time.

💰 Annual Debt ($) 📈 Growth Rate (%) 10% ⏳ Years 10

🚀 Reduce Annual Debt by ($) $1000

💸 Total Debt: $0

Final Year: $0

Over 10 years · Savings: $0

🧠 Diagnosis & Prescription

Your debt grows exponentially unless you intervene.

Use the slider above to see how much you can save.

AI 🤖

Compound Curve Interpreter

Ready

Click "Generate" to interpret your debt analysis.

⚠️ AI can make mistakes. Verify with your own research.

Frequently Asked Questions

What is the Compound Curve tool?▼

The Compound Curve tool projects how your annual debt grows over time due to compound interest. It shows the difference between taking action and doing nothing.

How do I use the Compound Curve?▼

Enter your annual debt, growth rate, time horizon, and the amount you can reduce annually. Click 'Project the Future' to see the chart and savings.

What does the Growth Rate represent?▼

The growth rate is the annual percentage increase in your debt. Even 10% can double your debt in ~7 years.

How much can I save by reducing my annual debt?▼

Small cuts compound into huge savings over time. The tool shows you exactly how much you save in the final year.

Is the Compound Curve tool free?▼

Yes, completely free and open source.

⚠️ JavaScript is disabled

📈 What is the Compound Curve tool?

The Compound Curve tool visualises the exponential growth of debt over time and shows how small reductions today can dramatically bend the curve downward. It helps you understand the power of compounding – both the danger of inaction and the benefit of early intervention.

You enter four key inputs:

Annual Debt – the yearly financial leak from your productivity or spending habits.
Growth Rate – the annual percentage increase (e.g., 10% can double debt in ~7 years).
Time Horizon – how many years into the future you want to project.
Reduction – the amount you can cut from your annual debt (use the slider to experiment).

The tool instantly generates a line chart comparing two paths: Current Path (doing nothing) vs. Optimised Path (after your reduction). It shows the total cumulative debt, the final year's debt, and the total savings achieved. You also get a personalised prescription with clear action steps. It's free, private, and requires no registration.

🧮 Calculate it manually (without JavaScript)

You can estimate your debt projection using the compound growth formula:

        Future Value = Annual Debt × (1 + Growth Rate)Years
      

To calculate the cumulative total over multiple years, you need to sum each year's value:

Year 1: Annual Debt × (1 + Growth Rate)
Year 2: Annual Debt × (1 + Growth Rate)²
… continue for each year up to your time horizon.
Add all yearly values to get the cumulative debt.
To see the effect of a reduction, subtract the reduction from Annual Debt and repeat the calculation.
Compare the two cumulative totals – the difference is your savings.

Example: Annual debt $13,000 · Growth 10% · 10 years.
Future value without reduction = $13,000 × (1.10)¹⁰ = $33,718.
If you reduce by $1,000/year → $12,000 × (1.10)¹⁰ = $31,125.
Total savings = $33,718 − $31,125 = $2,593 in the final year alone. Cumulative savings would be even larger.

💡 For the full interactive experience (instant chart, slider, and AI advice), please enable JavaScript in your browser.

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📖 Learn

Master the Productivity Bond Model

The tools on this page are powered by the Productivity Bond Model (PBM) — a revolutionary framework for replacing perpetual-growth-dependent debt with productivity-linked prosperity. These interactive calculators give you a personal glimpse into the mechanics of the model, but the full theory — including the mathematical proofs, simulation code, and a complete implementation roadmap for policymakers — is contained in the book.

If you're a citizen exploring your financial future, a researcher studying alternative debt systems, or a policymaker considering real-world adoption, the book provides the depth and rigour these tools only hint at.

📚 ISBN: 979-8-23578-956-2

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