Each month you earn interest on an amount invested.  The amount you have invested remains the same, and so the interest you earn also remains the same.  However, reinvesting that earned interest each month increases your investment amount for the remaining period, earning you more interest the following month.  This re-investing of your earned interest is called “compounding interest”.  Here at Kuflink, we have created an algorithm that mimics the effect of compounding interest, – so your capital remains the same, but each month we roll over your interest to add to the next month’s calculation.