3% Daily Yield & Compounding Engine
Simulate daily growth, 60-day principal expirations, custom start dates, and offset ledger displays up to 720 printed days. This interactive engine models how a 3% daily yield compounds over time and how long you must reinvest before sustaining a target daily withdrawal indefinitely.
1. Growth Calculator
A custom growth & return simulator. Interest compounds automatically once the pending balance reaches $10.00. Choose between compounded or simple interest, set an initial principal, a calendar start date, a printout start day, and the number of days to display (up to 720).
The simulator reports your ending active principal, your uncompounded wallet or accumulated earned interest, and the daily earned amount at the end of the run, alongside a full day-by-day ledger.
2. Target Income Tool
A perpetual daily income feasibility tool with two modes. Mode A calculates how many days of reinvestment are required from a fixed deposit to sustain a target daily withdrawal forever. Mode B calculates the deposit required to start withdrawing a target daily amount by a chosen target date.
Each day shows active principal, daily earned (3%), pending wallet, compounded tranche, daily withdrawal, expired principal (60-day), and ending principal. Add custom per-day deposits or withdrawals to model real-world behavior.
How to use it
- Initial Principal: Enter your starting deposit in dollars.
- Start Date: Pick a calendar start date for the ledger.
- Printout Start Day: Offset which day the displayed ledger begins on.
- Days to Display: Up to 720 printed days per run.
- Strategy: Toggle between compounded and simple interest (Tool 1).
- Target Withdrawal: Set the daily income you want to sustain (Tool 2).