This is NOT financial advice
The calculator should only be used as play field. I think it does not factor in enough the profit an XRP holder wants to make. The main driver of the resulting price are 3 variables:
-daily tx volume
-days a holder holds XRP
-circulating supply
My assumptions from the live stream and video about liquidity may be based on too high tx value per day, for now. This will/should change as soon as SBI enters FX trade market with XRP next April
SBI presentation (page 126)
http://www.sbigroup.co.jp/english/investors/disclosure/presentation/pdf/180628presentations.pdf
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