⏳ Capital × Time

Profit share is proportional to capital multiplied by the number of months it stayed in:

$\text{profit}_A : \text{profit}_B = (C_A \times T_A) : (C_B \times T_B)$

• Joined late? If someone joins $n$ months after the start, their money worked for $12 - n$ months, not $n$. Always subtract the delay from the total period.

• Don't multiply blindly. Simplify the capital ratio and the time ratio separately, then multiply across. For $30000$ for 12 mo vs $24000$ for 8 mo: capitals $5 : 4$, times $3 : 2$, so ratio $= (5\times3) : (4\times2) = 15 : 8$.

• Capital changed mid-year? Treat each stretch on its own and add the capital-months: $(C_1 \times t_1) + (C_2 \times t_2)$. After a withdrawal, use what is left, not what was taken out.