The four numbers
Principal is what you invest. Gross return is what the plan produces on it under its published terms. The management fee is taken from that gross return. Net return is what's left, and payout is principal plus net return.
- Payout = principal + net return
- Net return = gross return − management fee
- The fee never comes out of your principal
What “of gross return” means
A plan that shows a 10% management fee means 10% of the gross return — not 10% of your money. The fee scales with the return, so a smaller return means a smaller fee.
A worked example
Round numbers, purely to show the arithmetic — not a real plan. Suppose a plan's terms produce a gross return of 100 on a principal of 1,000, and the fee is 10% of gross return.
- Management fee: 10% of 100 = 10
- Net return: 100 − 10 = 90
- Payout at maturity: 1,000 + 90 = 1,090
Rates shown per day, week or month
Some plans publish a rate per period. The period and the term work together: the calculator applies the plan's own method for the full term, so use it rather than multiplying rates in your head.
Where the numbers come from
The public calculator and the in-account preview both ask the platform's contract engine. The terms you confirm are recorded on your investment, so later edits to a plan don't change your payout basis.