Meet the new ROI calculator. It's a simple, visual way to see how your money could grow over time — and how a regular savings account compares with investing on Alixco. Set two sliders, watch the chart update instantly, and get a clear picture of the difference before you commit a single ringgit.
Why we built it
Numbers on their own can be hard to feel. "11% per annum" sounds good, but what does it actually mean for your money, over your time frame? The ROI calculator turns those percentages into something you can see: a growth curve, year by year, with real ringgit figures at the end. It's designed to help you plan and set realistic expectations — not to sell you a dream.
What it does
You set two things — your initial investment and your investment period — and the calculator plots your capital growth for every year in between. One line shows an ordinary bank savings account; the other shows an illustrative Alixco P2P scenario. Because returns compound (you earn returns on your returns, not just on your original amount), the gap between the two lines widens the longer you stay invested. Drag either slider and the chart updates instantly, so you can try different amounts and time frames in seconds.
A worked example
Say you start with RM 100,000 and stay invested for 10 years. In this illustrative model:
- A savings account at 3% p.a. grows to about RM 134,392 — a gain of roughly RM 34,392 (about 34%).
- An Alixco P2P scenario at 11% p.a.* grows to about RM 283,942 — a gain of roughly RM 183,942 (about 184%).
The single-year view is just as telling. In the final year alone, the savings account earns around RM 3,914, while the Alixco scenario earns around RM 28,138 — that's roughly seven times as much in that one year. That's the power of a higher rate compounding over time. Change the amount or the number of years, and the calculator re-draws everything on the spot.
An illustration, not a promise
This is important, so we'll say it plainly. The calculator is an illustrative model, not a forecast and not a promise of returns. The rates shown are for illustration only. Real P2P investing carries risk — a borrower can be late or default, and you may lose part or all of your capital. Returns are not guaranteed, and past or modelled performance does not predict future results. Please read the P2P risk warning before investing, and treat the calculator as a planning aid rather than a guarantee of what you'll earn.
How to get the most out of it
Use it to sanity-check your goals. Try the amount you're actually thinking of investing. Compare a shorter term with a longer one to see how much time matters. And once a scenario looks realistic to you, head to the P2P page and check the risk score and details of real campaigns — the calculator shows the potential; the campaign details show the specifics.
Part 3 of our 2-week platform update series. Next week we move to your account: a faster verification process, then stronger security.
