What does 0.1% per day actually compound to?
Taken at face value and multiplied out, 0.1% per day is 44.03% a year. That is about 11.0x what you would get from a three-month Treasury bill that pays around 4% and a government-insured deposit around 3.5%. The arithmetic below assumes every payment arrives on time, which is the assumption that fails in practice, not the compounding.
Far above anything supervised finance guarantees
Returns this size exist only inside leveraged trading, private equity and a handful of short-lived funds - never as a fixed, guaranteed rate paid to the public. A guarantee at this level is paid from the money coming in after you.
0.1% per day, by starting amount
| Held for | $100 becomes | $1,000 becomes | $10,000 becomes |
|---|---|---|---|
| 1 year | $144.03 | $1.4K | $14.4K |
| 3 years | $298.75 | $3.0K | $29.9K |
| 5 years | $619.71 | $6.2K | $62.0K |
| 10 years | $3.8K | $38.4K | $384.0K |
Balance = principal x (1 + 0.1%) ^ periods, compounded every day.
0.1% per day against what is guaranteed
Reference levels: long-run approximations, October 2026. A multiple of "-" means the comparison does not apply.
| Reference level | Rate | This rate in multiples |
|---|---|---|
| Insured bank deposit (US, FDIC) | 3.5% a year (guaranteed) | 12.6x |
| 3-month US Treasury bill | 4.0% a year (guaranteed) | 11.0x |
| US inflation (consumer prices) | 2.5% a year (not investable, measures erosion) | 17.6x |
| S&P 500, long-run average | 10.0% a year (not guaranteed to anyone) | 4.4x |
| Best long-run professional record (Buffett, decades) | 20.0% a year (not guaranteed to anyone) | 2.2x |
The red line
A guaranteed return higher than a Treasury bill or an insured deposit cannot exist. Every dollar paid above the risk-free rate is paid for with risk, leverage, or other people's deposits. A published promise of a fixed return above the risk-free rate is the definition of a return trap.
No published entry on this register currently quotes a rate in this range. The arithmetic above still applies to any offer that does.
Questions about 0.1% per day
- What is 0.1% per day as an annual return?Compounded, 0.1% per day is 44.03% a year. Interest is multiplied, not added, so the yearly figure is (1 + 0.1/100) raised to the power of 365, minus one.
- How long would 0.1% per day take to double my money?About 1.9 years. At a daily rate that high the balance reaches a million dollars from a thousand in 19 years, which is why the number is only ever advertised, never audited.
- Is 0.1% per day realistic?No supervised product guarantees anything close. A daily percentage is quoted because it sounds small, but 44.03% a year is far above an insured deposit, above a Treasury bill, and above the best long-run professional record. A fixed promise at that level has to be paid from someone else's deposit.
Try your own numbers
- Daily return calculator — your amount, your horizon.
- Guaranteed return check — is any of this guaranteed?
- Where the payout comes from — how many new depositors it takes.
- Loss recovery — what one bad month costs.
All advertised rates · all calculators · the method and math.