Month-by-month projection — estimates only, for planning purposes
SPECULATIVE ESTIMATES
📅 DateProjection period
💱 NZD RateUSDT ≈ 1 USD
Enter manually or click to fetch today's rate. Rates change daily — update each session.
📦 Container AProfit Available
⚠ A reinvest + B transfer cannot exceed 100% of profit
📈 Container BCompound
Every deposit into B — whether cash, transfer from A, or reinvested profit — is locked for its own 12 months (per Aurum FAQ Q24).
↗️ A → BProfit routing
Remaining profit after B transfer and A reinvest is your withdrawable monthly income. Total of both cannot exceed 100%.
Press Enter in any field to recalculate.
Container A — Profit Available (Non-Compound)
Container B — Compound + Lock Tracking
Package Tier Reference
Non-compound. Each deposit earns profit at the current package rate based on the total pool balance.
Profit is split between: withdrawable income | → B transfer | ↺ reinvest into A (each reinvested amount creates a new locked deposit).
Principal unlocks after 12 months per deposit — if "Keep principal in pool" is on, it stays earning; otherwise it's treated as withdrawn.
🟢 Green rows = a deposit or reinvestment unlocks. Blue border top = tier upgrade.
Timing note: "Start month" = day 1 deposit activates. Each row shows end-of-month totals.
A deposit in month 1 (e.g. Jun 2026) unlocks in month 13 (Jun 2027).
← Scroll horizontally to see all columns →
Mo
Date
Cash Top-up ₮
Pool Balance ₮
Package
Rate/mo
Gross Profit ₮
→ B ₮
↺ into A ₮
Net Income ₮
Cumul. Income ₮
🔓 Principal Released ₮
Free in Pool ₮
Compound. Every deposit into B — cash top-up, transfer from A, or reinvested daily profit — is locked for its own separate 12 months (Aurum FAQ Q24).
The "Unlocks This Mo" column shows the face value of deposits/profit-batches whose lock just expired; they remain in the pool earning returns but are now withdrawable.
"Available to Withdraw" = total balance minus the sum of still-locked batch face values.
Rate note: Aurum accrues profit twice daily. This planner models that with daily compound: effective monthly rate = (1 + stated rate ÷ 30)^30 − 1. The "Eff. Rate/mo" column shows the effective rate used (e.g. VIP stated 14.88% → effective 16.00%). This brings results to within ~1% of Aurum's built-in calculator.
🟡 Gold border = tier upgrade. 🟢 Green rows = a batch unlocking this month.
← Scroll horizontally to see all columns →
Mo
Date
Cash In ₮
← From A ₮
Profit Reinvested ₮
Total Balance ₮
Still Locked ₮
Available to Withdraw ₮
Package
Eff. Rate/mo
🔓 Unlocks This Mo ₮
Multiple
Tier Change
Monthly rates: Each percentage is the client's monthly net rate applied to the total pool balance. Container A (non-compound): Monthly profit = pool balance × rate. Profit keeps separate — principal locked 12 months per deposit. Container B (compound): Each month → new balance = (prev balance + deposits) × (1 + rate). Each deposit (cash, transfer, or reinvested profit) locks for its own 12 months (per Aurum FAQ Q24). Verified against Aurum dashboard: $100 × 10.5% = $10.50/mo = $126.00/yr ✓ | $500 × 11.375% × 12 = $682.50/yr ✓ Container B effective rates (used for compound calculation) are slightly higher than stated because Aurum accrues twice daily. Effective = (1 + stated÷30)^30 − 1. E.g. VIP 14.88% → 16.00% effective, Ultimate 16.62% → 18.03% effective. Container A (non-compound) uses stated rates directly.
⚠️ Disclaimer: Speculative estimates only. Rates are not guaranteed. Not financial advice. Invest only funds you can afford to lose entirely. 🔒 Privacy: No data entered into this planner is stored, transmitted, or tracked in any way. All calculations run entirely within your browser. Nothing leaves your device.