> For the complete documentation index, see [llms.txt](https://dustprotocol.gitbook.io/dustprotocol-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://dustprotocol.gitbook.io/dustprotocol-docs/what-it-adds-up-to.md). # What it adds up to Round-ups only make sense with numbers attached, so here are three honest profiles. None of them is a projection of returns; they show what gets invested, which is the part Dust controls. What the market does to it afterward is the market's business. ## The casual swapper Trades a few times a week, mostly small. Round-ups set to nearest dollar. Roughly 12 swaps a month, average change of about 50 cents: call it $6 a month, $72 a year. That sounds like nothing, and as a lump sum it would be. The point is the direction: this person's previous investing rate was zero, and every year it stays zero costs more than the change does. This profile is who Dust was built for. ## The active trader Trades most days. Round-ups set to nearest 5, because whole-dollar change felt invisible. Around 40 swaps a month with an average round-up near $2.50: about $100 a month, $1,200 a year, invested with zero decisions and no schedule to keep. For context, that's within range of what a deliberate monthly DCA plan does, except this one can't be forgotten, skipped in a bad month, or abandoned in February. ## The degen with a conscience High swap count, high conviction, zero interest in budgeting. Round-ups at 2x multiplier plus a $1 boost on every swap. Sixty swaps a month at roughly $2 each: about $120 a month flowing to the basket, harvested entirely from activity that was happening anyway. This person will never open a brokerage account. Their vault doesn't care. ## The fine print on these numbers Averages hide variance: a quiet month sweeps less, a manic one more, and that's fine, because the product has no schedule to fall behind on. Fees come out of each round-up at the published rate before investing (the [fees page](/dustprotocol-docs/the-details/fees.md) shows the arithmetic). And the vault's value moves with the stocks in it, both directions. A year of perfect round-ups into a falling market shows a loss. Dust automates the discipline; it does not remove the risk, and the [risks page](/dustprotocol-docs/reference/risks-and-disclosures.md) is not optional reading. If you want to know your own number, turn round-ups on for two weeks. The app shows your run rate. It's a more accurate answer than any table we could print. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://dustprotocol.gitbook.io/dustprotocol-docs/what-it-adds-up-to.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.