Scenario calculator / 03

Test the
assumptions.

Build a simple illustration from amount, horizon, assumed annual rate, and annual fee drag. The result compounds annually and uses no live market data.

Scenario inputs

INPUT / A
currency units

Use any currency; the model is currency-neutral.

Enter an amount greater than zero.

years

Enter a horizon between 0.08 and 100 years.

illustration only

Not a quote, recommendation, or expected return.

Enter a rate from −100% to 100%.

all recurring costs

Enter fee drag from 0% to 100%.

future value = amount × (1 + rate − fee)years

Illustrated result

OUTPUT / B
Future value
$12,462.18
4.50% net assumed rate
Starting amount$10,000.00
Illustrated gain$2,462.18
Fee drag named0.50% / yr
TIME AXISAnnual compounding assumption
NowYear 5

This is an illustration, not a forecast. A constant rate is a simplifying assumption. Actual outcomes can be lower, negative, inaccessible when needed, or involve loss of principal. No instrument or protocol is recommended here.

What this number leaves out.

01

Rates move

The model holds one annual rate constant. Cash, credit, and variable on-chain rates can change during the horizon.

02

Risk is not a percentage field

Counterparty failure, smart-contract defects, liquidity limits, and principal loss are not captured by subtracting a neat risk premium.

03

Nominal is not real

The result is before taxes and inflation. Purchasing power may grow more slowly—or contract—even when the nominal figure rises.

04

Fees need inspection

Recurring fees are only one drag. Entry, exit, transaction, custody, spread, and conversion costs may also matter.