I plugged some numbers into that calculator. Problem is, it is very dependent on difficulty increase.
Assuming a purchase of 100 GHS at current pbmining and btc value would be $235.
$235 at 10% interest (if you can get it) compounded annually for 3 years is 344.06.
(3 years is the most full years the BTC calculator would give me)
Per the bitcoin calculator assuming a 10% difficulty increase the return in BTC is .1921 or $113.41. (a loss)
So, compared to investing the cash it's a loss. But, can you get 10% annual return on your money?
Will the value of bitcoin be the same in 3 years as it is today?
But, that calculator shows EVERY miner (you chose at the top of the page) is going to lose you money at a 13% difficulty increase with $0 electric cost and $0 pool fee. How can that be right? If that was the case, no one would be mining.
So, I'm not sure how accurate the calculator is. Who knows. I can only go by my actual earnings and those of others that say they are break even in about 3 months and everything after that is profit.
This is exactly how I am feeling and another question (most important) is, Will PB mining be around 5 years from now?