Overview
This planner projects month-by-month returns for an Aurum investment. Enter your settings, press Calculate ↻, and read the results in the Container A and Container B tabs. All amounts are in USDT (₮) unless you enable a second currency in the header.
Results are estimates only — Aurum rates, platform conditions, and your own actions can all differ from what is modelled here.
📅 Date Settings
Start Month / Start Year
Sets when Month 1 of your projection begins. The planner labels each table row with the corresponding month and year.
Projection Period
How many months to model — 1 year (12 months) through 5 years (60 months). Longer periods produce longer tables but give you a bigger-picture view of compound growth in Container B.
💱 Second Currency
Select your local currency from the dropdown. Click ↻ Get Live Rate to fetch today's exchange rate automatically, or type a rate manually. Once set, enable the Show [currency] amounts checkbox in the top-right header to add converted values alongside USDT figures in the tables and summary bar.
Tip: Rates are fetched from a public API and are approximate. For important decisions, verify the rate from your bank or exchange.
📦 Container A — Non-Compound
Container A earns profit each month at the current package rate applied to the total pool balance. The principal does not compound — profit is paid out separately each month and you decide what to do with it.
Withdrawing Deposits (the 🔓 chips)
By default every deposit stays in the pool earning indefinitely after it unlocks. When a deposit's 12-month lock expires it appears as a clickable 🔓 chip in the Unlocks column of that month's row. Click the chip to schedule a withdrawal for any later month (or "as soon as available"), or leave it to keep earning. Each deposit is controlled independently — so you can withdraw one batch and keep another. A scheduled withdrawal's face value appears in the 💸 Withdrawn column in the chosen month. Deposits mature at month's close and are withdrawable from the first day of the following month; a deposit earns nothing in the month it is withdrawn (it is taken on the 1st).
Initial Deposit
Your initial deposit into Container A, placed at the start of Month 1 and locked for 12 months.
Monthly Cash Top-up
An additional fixed amount you add in cash each month. Each top-up is tracked as its own deposit with its own 12-month lock. Top-ups begin in month 2 — the month after your initial deposit.
↺ Reinvest into A — Flat % or Ramp
The percentage of each month's gross profit that is reinvested back into Container A as a new deposit. Flat keeps this at a single fixed percentage throughout. Ramp 📈 lets you set a starting percentage that increases by a fixed amount each month (e.g. start at 0%, increase 5%/month) up to an end month — useful for modelling gradual portfolio growth.
Profit split reminder: Reinvest % + A→B Transfer % cannot exceed 100%. Whatever is left over becomes your withdrawable income that month.
📈 Container B — Compound
Container B compounds — each month's new balance earns profit on the total balance including all previous profit. Per Aurum's FAQ (Q24), every deposit into B (cash top-up, transfer from A, or reinvested profit) is locked for its own separate 12-month period from the date it was added.
Withdrawing Deposits (the 🔓 chips)
Same concept as Container A — when a batch's lock expires it appears as a clickable 🔓 chip; click it to schedule a withdrawal of its face value (shown in 💸 Withdrawn) in any later month, or leave it to keep compounding. The "Still Locked" and "Avail. to Withdraw" columns reflect this each month. Deposits mature at month's close and are withdrawable from the first day of the following month; a withdrawn batch earns nothing in its withdrawal month.
Initial Deposit
Your initial deposit into Container B, placed at the start of Month 1 and locked for 12 months.
Base Monthly Cash Top-up
A fixed cash amount added to B each month (separate from any A→B profit transfers). Top-ups begin in month 2 — the month after your initial deposit.
↗️ A→B Transfer
Routes a percentage of Container A's gross monthly profit directly into Container B, where it compounds. Like Reinvest, this can be a flat percentage or a ramp that changes over time.
Each transferred amount lands in B as a new deposit with its own 12-month lock. Combining a growing reinvest ramp with a transfer ramp lets you model a gradual shift from income-focused to compound-growth-focused strategy.
Calculate ↻ & Save Scenario
Press Calculate ↻ (or Enter in any field) to run the projection with your current settings. Results appear in the tabs below.
Give your calculation a name in the Scenario name field, then press 💾 Save Scenario to store it for comparison. You can save multiple named scenarios and compare them side-by-side in the Scenarios tab. Use 📥 Export Monthly Data to download the current table as a CSV file.
Reading the Tables
Container A columns
Mo / Date — month number and calendar month. Cash Top-up — cash added this month. Pool Balance — total active balance earning profit. Package / Rate/mo — your Aurum tier and its monthly rate. Gross Profit — profit earned this month. → B — amount transferred to B. ↺ into A — amount reinvested. Net Income — profit remaining as withdrawable income. Cumul. Income — running total of all income to date. 🔓 Unlocks — each deposit whose 12-month lock expired this month, shown as a clickable chip (click to keep earning or schedule a withdrawal). 💸 Withdrawn — amounts removed from the pool this month per your withdrawal schedule. Kept in Pool — running total of unlocked deposits still earning.
🟢 Green rows = a deposit or reinvestment unlocks this month. Blue top border = tier upgrade.
Container B columns
Cash In — new cash top-up this month. ← From A — profit transferred from A. Prof. Reinvested — profit compounded back into balance. Total Balance — compound NAV (face value × growth). Still Locked — face value of batches still in their 12-month lock. Avail. to Withdraw — total balance minus still-locked face value. 🔓 Unlocks — each batch whose lock expired, shown as a clickable chip (click to keep compounding or schedule a withdrawal). 💸 Withdrawn — face value removed this month per your withdrawal schedule. Multiple — B balance ÷ total cash invested into B.
🟢 Green rows = a batch unlocks this month. 🟡 Gold top border = tier upgrade.
Note on the Multiple: A single lump-sum gives a high multiple because the denominator stays fixed. Incremental transfers grow the denominator each month, so the multiple will be lower even if the absolute balance is larger — this is mathematically correct.
📊 Scenarios Tab
Saves a snapshot of your settings and results so you can compare different strategies side-by-side. Click ↩ Load on any saved row to restore that scenario's settings into the calculator. Click any Name or Notes cell directly in the table to edit it. Use 📥 Export Comparison CSV to save the comparison permanently — scenarios are cleared when you close or refresh the page.