Investment Return Calculator
Estimate your potential returns based on investment amount, tier selection, and time frame.
Calculate Your Returns
Minimum investment: £1,000
Your Projected Returns
Your Social Impact:
Every £10,000 invested helps workers avoid expensive payday loans while providing them access to wages they've already earned.
How GPOD Returns Work
Understand the transparent mechanism behind GPOD's ethical returns and how your investment creates both financial and social value.
Investment Capital
Your investment into GPOD is pooled into our wage access fund, which provides the capital for workers to access their earned wages before payday.
Worker Access
Workers use the GPOD platform to access up to 90% of their earned wages before their regular payday, paying a small flat fee of £2.50 per withdrawal.
Fee Collection
GPOD collects the £2.50 flat fee from each early wage access transaction. These fees form the basis of investor returns - no interest is charged to workers.
Payroll Reconciliation
When the employer processes regular payroll, the accessed wages are automatically reconciled, replenishing the fund for new transactions.
Investor Returns
Investor returns are distributed quarterly based on transaction volume and your investment tier, with rates ranging from 8-12% annually.
GPOD Return Rates Compared
See how GPOD's ethical investment returns compare to other investment options in the current market.
*Based on average UK rates as of 2023. Individual rates may vary.
Investment Tier Details
Compare our investment tiers to find the option that best suits your capital and impact goals.
| Feature | Starter Tier £1,000-£9,999 |
Growth Tier £10,000-£49,999 |
Impact Tier £50,000+ |
|---|---|---|---|
| Annual Return Rate | 8% | 10% | 12% |
| Payment Frequency | Quarterly | Quarterly or Monthly | Quarterly, Monthly, or Custom |
| Minimum Term | 12 months | 6 months | 3 months |
| Dashboard Access | Basic | Advanced | Premium |
| Impact Reporting | Quarterly Summary | Monthly Detail | Real-Time + Custom |
| Early Withdrawal Fee | 3% | 2% | 1% |
| Account Manager | |||
| Strategic Input |
Investor Experiences
"I've been investing with GPOD for 18 months on the Growth tier. Not only have my returns been consistent at 10%, but knowing my capital is helping workers avoid predatory loans gives me great satisfaction."
Sarah M.
Growth Tier Investor - £25,000
"The transparency GPOD provides aligns perfectly with my values as an Impact investor. The ethical investment model delivers returns that have exceeded my expectations while creating positive change."
James R.
Impact Tier Investor - £120,000
"I started with the Starter tier to test the waters and was so impressed that I've since upgraded. The returns are competitive, but what really stands out is how GPOD creates value for everyone involved."
Priya S.
Growth Tier Investor - £15,000
Frequently Asked Questions
GPOD's returns are calculated based on the transaction volume generated by worker wage access activity. Each time a worker accesses their wages early, they pay a small flat fee of £2.50.
These fees are pooled and distributed to investors based on their investment tier and capital contribution. The calculator estimates returns based on historical transaction patterns and your selected parameters.
GPOD's investment model is ethical for several key reasons:
- Workers are only accessing wages they've already earned - no debt creation
- Fixed fee structure (£2.50) regardless of amount - no percentage-based or hidden fees
- No interest charges - fully ethically compliant
- Transparent flow of funds between all stakeholders
- Provides an alternative to high-interest payday loans and overdrafts
Returns are distributed according to your investment tier:
- Starter Tier (£1,000-£9,999): Quarterly distributions
- Growth Tier (£10,000-£49,999): Option for quarterly or monthly distributions
- Impact Tier (£50,000+): Flexible distribution schedule including quarterly, monthly, or custom arrangements
Yes, GPOD offers early withdrawal options with the following conditions:
- Each tier has a minimum lock-in period (Starter: 12 months, Growth: 6 months, Impact: 3 months)
- Early withdrawals before the minimum lock-in period are subject to a fee (Starter: 3%, Growth: 2%, Impact: 1%)
- Withdrawals after the lock-in period have no penalty but require 30 days' notice
GPOD's investment model is designed with multiple security layers:
- All accessed wages are backed by already-earned worker income
- Employer partnerships include payment reconciliation agreements
- GPOD maintains a reserve fund to cover any delayed reconciliations
- Risk is distributed across thousands of individual transactions
- Regular audits and compliance checks by independent third parties
Ready to Invest with Impact?
Join the growing community of ethical investors generating real returns while supporting financial inclusion for workers.