What a family fund does over the years
Set up an imaginary family and drag the levers. The chart runs the fund's default rules: savers earn the AFR plus one point, borrowers pay a little more, 20% stays in cash, a loss reserve builds, and the fund's costs come off the top.
Family money in the fund, year 25
$1.2M
$546k put in
Same money in a high-yield account
$982k
$224k less than the fund
Interest that stayed in the family
$585k
a lender would have charged $895k
- In the family fund
- Same money in a high-yield account
Show as a table
| Year | Put in | In the fund | Outside | Interest kept in the family |
|---|---|---|---|---|
| 0 | $6,000 | $6,000 | $6,000 | $0 |
| 5 | $114k | $133k | $128k | $17.1k |
| 10 | $222k | $302k | $279k | $70.5k |
| 15 | $330k | $524k | $466k | $172k |
| 20 | $438k | $818k | $697k | $336k |
| 25 | $546k | $1.2M | $982k | $585k |
See the app in year 25
Click around the member screens as a member of this imaginary family would see them. Read-only, built from this scenario.
A simulation, not a promise. Rates are held still at the levels shown; the real AFR moves every month. The fund's own costs ($77 a month plus about $600 a year of bookkeeping) are charged against its margin before any surplus. Members' capital in the fund stays theirs; the fund never promises a return.