Ok, I see...
To clarify, that spreadsheet was used to document the history of how long it took for the Deposit Fee to be returned, followed by how long it took for the additional Credits to be returned. It wasn't used to forecast income, ROI, or APY; so the spreadsheet itself contained no internal calculations.
But the good news is that a lot (and I do mean a lot) has changed since the initial launch of the wallets, and some of these calculations are performed within the wallets and displayed on the dashboard. For example, the wallets now display the Annual Percentage Yield (APY). You'll see this percentage listed as
Conv APY on your dashboard.
There's nothing available that provides income predictions because there are numerous ways to grow your Bitcoin and just about every wallet uses a different strategy. So it's not possible for the system to know beforehand what activities will occur within each wallet. It can only provide data & stats on what has occurred.
In that video, the purpose of the spreadsheet was to display how long it would take for all of the Credits to convert into Bitcoin based on the amount of Bitcoin deposited into the wallet. I was logging it in a spreadsheet just to display in future videos. But estimates of these numbers can now be calculated based on info that is readily displayed.
Let's say you have $10 in Credits and want to know how long it'll take for all of those Credits to convert. You can use the Conv Rate (which shows the amount of Satoshis that are converted into Bitcoin each hour), multiply that by 24 to get the amount converted per day, and divide that into the Credits balance. But the Conv Rate is quite dynamic and can change based on the a wallet's activities.
An easier way would be to view a history of the amount of Credits have occurred on a daily basis. You can view this by clicking on the icon next to
BTC converted from Credits. This will display the amount of Credits (and the current fiat value) that have converted into Bitcoin each day. So if you have $10 in Credits and want to know how long it'll take to convert everything into BTC, consider some of the most recent Estimated Values listed (prior to the current day), and divide that number into the Credits balance. ie. If the Estimated Value is around 0.10 USD and you have $10 in Credits, it'll take about 100 days for all of the Credits to convert into Bitcoin ($10/0.10).
When considering these numbers to make future forecasts, know that many factors are used to determine the conversion rate for each wallet; and the calculations are based on both system-wide and wallet-specific resources and activities. Since the income received by the system (primarily through transaction fees) is used to generate returns for end users (through consistent Credit conversion), more transaction activity will naturally result in faster credit conversions and higher APYs; and vice versa. As such, wallets that perform activities that generate income for the system are rewarded while wallets that are only used to leech off of the system typically end up having slower credit conversions.
As you understand more of the built-in mechanics, you'll find that everything is designed to maintain a fair and balanced ecosystem. Regardless of WHEN a user enters or HOW MUCH Bitcoin is sent to a wallet, the system will never favor one wallet over another. So whales will never be able to exploit the system by depositing large amounts of Bitcoin. And as a result, the small fish, whales, and everyone in between are considered as equals in this protocol.
This may be information overload, but I hope it helps to give you a better perspective and understanding of the wallets. Keep the questions coming if anything is unclear.
