Aurum EX-AI Bot Returns Calculator

Project the daily growth of a USDT deposit through Aurum's tiered return schedule, including reinvest and payout mechanics.

ⓘ Monthly percentage compounded daily · Daily rate = monthly ÷ 30.4375

Principal (USDT) 10,000.00

Time horizon 1 year

Default reinvest

Aurum Deposit Tiers

Published monthly percentages — converted to a daily rate (monthly ÷ 30.4375) and compounded each calendar day. Above 99,999 USDT, the rate caps at Ultimate.

Deposit balance —

Locked principal + reinvested interest still in the bot.

Accumulated profits —

Profits from months where reinvest was off — withdrawable now to dashboard or Aurum card.

Locked (reinvested) —

Reinvested interest under 365-day lock.

Total value —

Deposit + accumulated profits.

How these relate: —

The Locked figure is already part of Deposit balance — it's the slice still inside the 365-day lock at horizon end. Accumulated profits is separate (paid out during reinvest-OFF days, withdrawable any time).

Total interest earned —

Effective APY —

Tier progression —

Month-by-Month Schedule

Tip: Use the Reinvest toggle on any month to switch compounding on or off. Turn it OFF for any month you want to withdraw profits instead — those amounts add to Accumulated profits above. Tier updates automatically as your balance grows.

Period	Reinvest	Tier	Mo %	Daily %	Days	Interest this period	Deposit	Accumulated

Balance Over Time

Deposit balance Accumulated profits Tier rate / month (right axis)

How this calculator models the EX-AI bot.

Compounding base: tier rates are monthly. Daily rate = monthly ÷ 30.4375 (avg days per month). Each calendar day, the deposit balance earns its tier's daily rate.
Reinvest ON (per day): daily interest is added to the deposit balance so tomorrow earns on a slightly larger base. Each reinvested amount becomes withdrawable 365 days later, on the same calendar date.
Reinvest OFF (per day): daily interest is paid into Accumulated Profits on the EX-AI bot page. You can transfer it to your dashboard at any time to withdraw or load your Aurum card. The deposit stays flat, so tomorrow earns the same.
Tier selection: checked every day against the current deposit balance. The moment your balance crosses a threshold (e.g. $25,000 → Luxury, $50,000 → Ultimate), the new tier's daily rate kicks in immediately. Override any month from the dropdown to lock that month to a specific tier.
Numbers shown: all balances are end-of-period. "Deposit balance" includes the original principal. "Accumulated profits" is gains-only. "Locked" tracks reinvested interest still within its 365-day lock; values < 365 days from horizon end remain locked.

Calculator inputs

Aurum Deposit Tiers

Month-by-Month Schedule

Balance Over Time