tomos81, nope. Calculate according to CURRENT price on XMR. It's higher, then add transactions fee and you'll get more benefits. Really can't believe you have 28k, because if you are mining monero - it's impossible due to network difficulty and current exchange rate.
i am not mining monero.. i have proxy that switching automatically to best mineable currency, between ETN, XLC, ITNS, SUMO , XMR , COAL and BIP
also planning to add higher rewards than 28k when my saved cryptos growing on price.. something like revenue share..
who mining monero is unable to do that because of hard-to-earn monero with that diff.