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Compound, FIRE, DCA, dividends, backtest — Korea-accurate wealth simulators, all in one place.
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What trovetool is
trovetool is a free collection of finance calculators focused on building wealth as a Korean resident. It gathers simulators that chart how money grows — compound interest, FIRE, loans, dividends, backtesting — in one place you can use right away, no sign-up required. The biggest difference is that it was designed from the start to reflect the Korean taxes and inflation that global calculators usually leave out.
Concretely, it bakes in tax rules like the 15.4% interest income tax, the 22% overseas ETF capital gains tax (after a 2.5M KRW annual deduction), the 15% US ETF distribution withholding, and tax-saving schemes such as ISA and pension savings accounts. So the figures on screen aren't pre-tax numbers — they're closer to what you actually keep, after tax and after inflation. You decide based on realistic outcomes rather than vague expected returns.
It's simple to use. Pick a tool, enter your starting amount, monthly contribution, expected return, and time horizon, and the chart and table update instantly. Compare scenarios by changing your assumptions, and just share the result page's URL so others can see the exact same result. The values you enter are never stored on a server, and every tool is polished for both Korean and English and for mobile screens (320px).
From a newcomer planning a first savings plan, to an employee optimizing ISA and pension taxes, to an investor building an ETF dividend portfolio, to anyone checking a FIRE (early retirement) target — the goal is to be a starting point for everyone trying to grow their assets. That said, every calculation is a reference for information only; actual taxes and returns vary by individual circumstances, so confirm important decisions with a tax or financial professional.