Guide: Profit
Profit records the actual state of an investment on a selected date and compares it with the linked Savings plan.
What to enter
Enter cumulative values that apply on the period date. Amounts are entered in the Finance block; the linked plan and date are entered in Basic information.
Name
Use a name that clearly identifies the product, account, or reporting period.
Profit category
Choose the life-area category for this result, such as Personal, Home, Car, Reserve, or Investments. The type is used for classification and does not change any calculation.
Description
Optional notes, such as the statement source, product conditions, or an explanation of a change.
Savings
Select the Savings plan that defines the start date, contribution schedule, planned growth, and inflation settings.
Period date
The date on which the balance is valid. Without it, the record can be saved, but annualized growth and projections are not calculated. It cannot precede the Savings start date.
Deposit
The cumulative amount actually invested, excluding fees. This amount is used to calculate the actual growth rate.
Fee
The cumulative fees paid. They are displayed separately and reduce the current Earned result, but they are excluded from Total paid, growth rates, charts, comparisons, and projections.
Balance
The actual value of the investment or account on the period date.
What the module calculates and displays
The calculated fields are updated automatically when the Profit record is saved.
Earned
Net result calculated as Balance minus Deposit minus Fee.
Earned percentage
Net result expressed as a percentage of the total amount paid, including fees.
Growth rate
Annualized actual growth calculated from the real deposit, exact dates, and the Savings contribution schedule. Fees are excluded.
Current status and expected development
Compares actual and planned values for the current date and the next 10, 20, and 30 years. Actual values are green, planned values are blue, and inflation-adjusted values appear only when enabled in Savings.
Monthly Profit records
Use Monthly Profit records from the list menu to create or update one current-month record for every selected category.
Profit category
Personal, Home, and Car are shown as basic categories. Family, reserve, investments, retirement, travel, children, education, health, gifts, pets, hobbies, business, and Other are available in the additional group.
Previous month
The form loads existing records for the current month. If a category is missing, its deposit, value, calculated result, name, and linked Savings plan are taken from the most recently changed record in the previous month. The fee is transferred automatically and is not entered in this form.
Current value / price
Enter the current value or price in this column. Earned is shown immediately using the transferred fee and recalculated by the Profit save handler as value minus deposit minus fee.
Recommended workflow
First create and configure the Savings plan. For a single statement, create a Profit record and enter its period values. For a monthly overview, open Monthly Profit records, review the prefilled categories and values, select the required rows, and save them together.