**Alex Borders** | Wednesday, November 7, 2012 - 11:15 pm So, I recently loaned out $2T. I'm now seeing a monthly income of $166.667M Multiply that monthly income by 12, and I'm getting $2B/year in interest. That comes to 0.1% interest, not 12%. What gives? |

**anjmer** | Thursday, November 8, 2012 - 05:24 am My understanding is that 12% is the interest for an actual year, not a in-game year. |

**sbroccoli** | Friday, November 9, 2012 - 05:58 pm ...which menas you shouldn't multiply by 12, but 365. Otoh that gives more than 12% so something here isn't making sense. |

**Crafty** | Friday, November 9, 2012 - 08:25 pm
**Quote:**...which menas you shouldn't multiply by 12, but 365.
Not sure how you worked that out sbroccoli, but its very wrong. On a six game month a real day world, there are 168 game years (roughly) in a real year. (2 real days for 1 game year, 14 game years in real month, 28 days, 12 real months = 168 game years). Which works out about right. |

**Samsin Valiga** | Saturday, November 10, 2012 - 04:08 am so whats the current interest rate |

**Andy** | Saturday, November 10, 2012 - 01:04 pm Very close Crafty. 2B in one game year which is indeed 0.1% for 3 days (at 4 game months per day), and about 12% for a full year. (3 days x 120). The interest depends on the world. if it runs 6 x per day, a game year is 2 days and the interest is lower. with real world interest rates at <2%, 12% is not so bad and maybe attractive enough to put some money in. |

**Alex Borders** | Saturday, November 10, 2012 - 03:36 pm OK - with 4 game months/calendar year, the math does work out, assuming 360 calendar days/calendar year (which I'll write off as rounding). |