Individual skill

compound-interest-simulator

복리 효과 시뮬레이션과 장기 자산 성장 예측 도구. 'investment-advisor'와 'tax-strategist' 에이전트가 투자 수익을 시뮬레이션하고 은퇴 자금을 설계할 때 이 스킬의 복리 공식, 시나리오 비교, 은퇴 목표 계산법을 반드시 활용해야 한다. '복리 계산', '자산 성장 예측', '은퇴 자금 시뮬레이션' 등에 사용한다. 단, 예산 설계나 세금 계산은 이 스킬의 범위가 아니다.

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# Compound Interest Simulator — 복리 시뮬레이터

복리 효과 시뮬레이션, 자산 성장 예측, 은퇴 자금 역산 계산.

## 핵심 복리 공식

### 일시불 복리

```
FV = PV × (1 + r)^n

FV: 미래 가치 (Future Value)
PV: 현재 가치 (Present Value)
r: 연 수익률 (소수)