Your Thndr Clouds balance equals your principal amount plus all accrued gains. Gains are compounded daily and are based on the difference between the average purchase price of the underlying mutual fund certificates and the current market value of those certificates.
When gains are credited
Your money begins earning returns once it has been in Thndr Clouds before the daily cutoff. The cutoff occurs at 6:00. Time each day. Gains are then reflected in your balance before 8:00 PM Cairo Time on each business day.
💡Tip: Transfer your money in before 6:00 AM Cairo Time to make sure it qualifies for that day's gains.
⚠️ Important: Gains for weekends and holidays are reflected one business day in advance. For example, gains for Friday and Saturday appear on Thursday. If you add money to Thndr Clouds on a weekend or during a holiday, gains will not reflect until the next business working day.
Why actual gains may differ from the announced APY
When you calculate your daily or monthly gains on your principal, those figures represent actual returns received over that shorter period. Because returns are accrued and compounded daily, earning the full announced APY requires leaving your money in Thndr Clouds for a complete year — you earn returns each day on your accumulated returns. The difference comes down to simple calculation versus compounded calculation over time.
How the annualized yield (APY) is calculated
The Annual Percentage Yield (APY) of Thndr Clouds is based on the performance of the underlying mutual funds, reflected in the daily price change of the mutual fund certificates.
Thndr looks at how the certificate price has changed over the past 30 calendar days and annualizes that performance — projecting the 30-day return over a full year to estimate a yearly yield. The APY gives you an idea of how fast your savings can grow if the same trend continues — it's not a fixed guarantee.
The formula used to calculate APY is:
APY = ((1 + Period Return ÷ 100) ^ (365 ÷ Period Days) − 1) × 100
Period Return is the return earned over the period, as a percentage. It equals the difference between the certificate price today and its price at the start of the period, divided by the starting price. For example, if the price rose from 100 to 101.5, then Period Return = 1.5
Period Days is the number of days in the period — today's date minus the start date. For Thndr Clouds the period is always the last 30 calendar days on a rolling basis, so Period Days = 30
The percentage shown is the current Annual Percentage Yield (APY), calculated using the underlying fund’s performance over the previous 30 calendar days and annualized over one year. It is an estimate and is not guaranteed.
The app displays your total accrued gains but does not currently provide an itemized breakdown of the return earned on each individual day.
How to view current returns
To view the current value and returns for Instant and Monthly Savings:
Open the Thndr app.
Tap the Clouds tile on the Home page.
At the top of the Clouds page, you can see the total value of your Cloud savings, including accrued returns. The total gains are displayed directly beneath it in green.
You can also view below each Cloud separately, including:
The total amount invested in that Cloud
The total gains earned from that Cloud
A separate, itemized amount for each day’s return is not currently available. You can monitor your total accrued gains and track changes in your balance over time.
Project possible gains based on current APY
The Returns Calculator lets you estimate your expected gains before you invest.
To access the Returns Calculator:
Open the Thndr app.
Tap the Clouds tile on the Home page.
Tap the icon in the top right corner.
Select Returns Calculator.
You can enter an initial amount you'd like to invest and select a cloud type to see your expected gains per day and per month for that cloud.
All calculated returns are compounded, assuming gains are not withdrawn each month. A note at the bottom of the calculator also shows the gains you would receive if you withdrew your gains every month instead.
Check historical gains through analytics
Clouds Analytics gives you a breakdown of your gains over time.
To access Clouds Analytics:
Open the Thndr app.
Tap the Clouds tile on the Home page.
Tap the icon in the top right corner.
Select Clouds Analytics.
Total Gains page
The Total Gains page shows your total gains for the current year at the top, with the total gain for each cloud type shown underneath. A graph at the bottom displays your total monthly gains for the current year.
You can change the selected year to view gains from past years, if available.
Cloud Type Gains page
The Cloud Type Gains page shows a breakdown per cloud type, including monthly and daily gains for that type.
You can change the selected year to view gains from past years, if available, and change the selected month by selecting the month's bar on the bar chart.
FAQs
Does the return change based on how much I deposit?
No — the return percentage is the same regardless of how much you deposit.
Why Don’t I See Gains Immediately After Adding Money?
If you add money after the daily cut-off time, the purchase won’t execute until the next business day morning. Gains will only become visible after the funds have remained in the cloud for 24 working hours.
Why Don’t I See Gains for Deposits Made on a Friday?
Returns are not updated on Fridays and Saturdays. Deposits made on Friday will start accruing gains on Sunday, provided they meet the 24-hour rule.