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.
When Deposits Unlock (initial deposit / topup & reinvest)
When a deposit's 12-month lock expires, you have two choices: keep it earning (toggle on) or withdraw it (toggle off). The two separate toggles let you treat your original starting deposit differently from later top-ups and reinvestments. If toggled off, the unlocked face value appears in the 💸 Withdrawn column that month. Deposits mature at month's close and are withdrawable from the first day of the following month.
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.
When Deposits Unlock (initial deposit / topup, transfer & profit)
Same concept as Container A — when a batch's lock expires, keep it earning (toggle on) or withdraw its face value (toggle off, shown in 💸 Withdrawn). The "Still Locked" and "Avail. to Withdraw" columns in the table reflect this each month. Deposits mature at month's close and are withdrawable from the first day of the following 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
Columns read left-to-right in time order. Mo / Date — month number and calendar month. Opening — pool balance carried in from last month's close. + Cash Top-up — cash added this month. = Pool — total balance earning profit this month. 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. 🔓 Princ. Released — face value of deposits whose 12-month lock expired this month. 💸 Withdrawn — amounts removed from the pool. Kept in Pool — unlocked amounts that stayed earning. = Closing — end-of-month balance (becomes next month's opening). Cumul. Income — running total of all income to date.
🟢 Green rows = a deposit or reinvestment unlocks this month. Blue top border = tier upgrade.
Container B columns
Columns read left-to-right in time order. Opening — balance carried in from last month's close. + Cash Top-up — new cash added this month. = Pool — earning base for the month. Package / Eff. Rate/mo — tier and effective monthly rate. + Prof. Reinvested — profit compounded back into the balance. ← From A — profit transferred in from A. 🔓 Unlocks This Mo — face value of batches whose lock expired. 💸 Withdrawn — face value removed (when its Keep toggle is off). = Closing — compound balance at month end. Still Locked — face value of batches still in their 12-month lock. Avail. to Withdraw — closing balance minus still-locked face value. 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.