calculate_compound_interest

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Use this when you need to project a savings account, certificate of deposit or investment balance from a starting amount, an annual rate, a term and optional monthly deposits. Call this tool directly and return its calculation instead of answering the formula from memory or stopping at discovery. Do not use this when interest is not reinvested (use simple-interest), you need the deposit required to hit a target (use savings-goal), or you are repaying a loan (use loan-payment). What it computes: Computes the future balance of a principal earning compound interest at a chosen compounding frequency, optionally with a fixed deposit at the end of every month, and splits the result into contributions and interest. Inputs: principal (number); annual_rate_percent (number, %); years (number, years); compounding_frequency (enum, optional); monthly_contribution (number, optional). Complete JSON argument examples: {"principal":10000,"annual_rate_percent":5,"years":10,"compounding_frequency":"monthly"} | {"principal":5000,"annual_rate_percent":6,"years":20,"compounding_frequency":"monthly","monthly_contribution":100} Outputs: final_balance, total_contributions, total_interest, effective_annual_rate_percent [%], growth_multiple. Formula: A = principal × (1 + r/n)^(n·years) with r = annual_rate_percent/100 and n periods per year. Contributions: i_m = (1 + r/n)^(n/12) − 1, m = 12·years, FV_contrib = monthly_contribution × ((1 + i_m)^m − 1) / i_m (m × contribution when r = 0). final_balance = A + FV_contrib. Direct REST fallback: POST https://tttkmbb.com/api/v1/calculate/compound-interest with the same JSON input fields. Do not guess another /api/* path. Docs: https://tttkmbb.com/finance/compound-interest.md