Calculators for the return you were promised
Anyone can check the arithmetic that a promoter would rather you did not. Each tool below takes the advertised number, compounds it honestly, and puts it beside the rates that supervised products actually pay. Every page carries the same red line, and none of them tells you what to buy.
Daily return calculator
Promoters quote returns small enough to sound reasonable: 0.3% a day, 2% a week. Compounded over a year they are neither small nor reasonable. This page does the arithmetic with nothing added and nothing removed.
Guaranteed return check
A guarantee is a promise to pay regardless of what markets do. Somebody has to carry the loss if the money is not there. This page lines the promise up against the rates that genuinely are guaranteed, and against the best long-run records that are not.
Doubling time and the rule of 72
Doubling time is the fastest way to feel a rate. Two percent a month sounds modest and doubles a balance in under three years; ten percent a month doubles it in seven months. This page shows both the shortcut and the exact figure.
Where does the payout money come from?
This is the one question that separates an investment from a return trap. If a scheme promises to pay more than it earns, the difference has to arrive as new deposits. The numbers below show how quickly that becomes recruitment work rather than investing.
Loss recovery calculator
Losses and gains are not symmetrical. Losing half of a balance requires a doubling to recover it; losing ninety percent requires a tenfold. Promoters quote the smooth months and never the drawdown, so this is the number to ask about.
Lock-up and fee break-even
Guaranteed plans are usually sold with a term and a fee for leaving early. Both are paid out of the balance, while the promised rate is quoted before them. This page shows what is actually left, and the return that implies.
The red line on every page here
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.
How to use them
- Start with the promise, not the product. Enter the number the promoter publishes, in the period they publish it in. If they only show a "profit chart", use the figure from the caption or the channel description.
- Compare against the reference levels on the guaranteed-return page. Two of those levels are genuinely guaranteed; the rest are the best documented long-run results, and none of them is promised to anyone.
- Then ask the funding question. If the promised payout is more than the scheme earns, the difference has to arrive as new deposits. The payout tool shows how many new depositors that takes.
Arithmetic is not a verdict. A large number proves nothing by itself — what it proves is that the advertised return cannot come from a supervised product, which is the question worth asking before any money moves. Nothing here is investment advice. See the method and math page for how the register itself is built.