diff --git a/src/lang/extra/english.txt b/src/lang/extra/english.txt
index 07e0379e74..64ddd53bc3 100644
--- a/src/lang/extra/english.txt
+++ b/src/lang/extra/english.txt
@@ -599,7 +599,7 @@ STR_CONFIG_SETTING_CITY_ZONE_4_MULT                             :Multiplier for
 STR_CONFIG_SETTING_CITY_ZONE_4_MULT_HELPTEXT                    :Multiplier for the size of City Zone 4 (Innermost roads with street lights). This setting works best with minor alterations.
 
 STR_CONFIG_SETTING_TOWN_GROWTH_CARGO_TRANSPORTED                :Town growth speed depends on transported cargo: {STRING2}
-STR_CONFIG_SETTING_TOWN_GROWTH_CARGO_TRANSPORTED_HELPTEXT       :Percentage of town growth speed which depends on proportion of town cargo transported in the last month
+STR_CONFIG_SETTING_TOWN_GROWTH_CARGO_TRANSPORTED_HELPTEXT       :Percentage of town growth speed which depends on proportion of town cargo transported in the last month.{}This percentage of the calculated town growth speed is multiplied by the fraction of passengers and mail which were transported in the last month. This setting can only decrease the town growth speed, not increase it.
 
 STR_CONFIG_SETTING_RANDOM_ROAD_RECONSTRUCTION                   :Probability of random town road re-construction: {STRING2}
 STR_CONFIG_SETTING_RANDOM_ROAD_RECONSTRUCTION_HELPTEXT          :The probability of town roads randomly being re-constructed (0 = off, 1000 = max)
diff --git a/src/town_cmd.cpp b/src/town_cmd.cpp
index 7ed8414e51..8486101f6c 100644
--- a/src/town_cmd.cpp
+++ b/src/town_cmd.cpp
@@ -4024,6 +4024,10 @@ static uint GetNormalGrowthRate(Town *t)
 	if (t->larger_town) m /= 2;
 
 	if (_settings_game.economy.town_growth_cargo_transported > 0) {
+		/* The standard growth rate here is proportional to 1/m.
+		 * town_growth_cargo_transported percent of the growth rate is multiplied by the proportion of town cargoes transported.
+		 * The growth rate can only be decreased by this setting, not increased.
+		 */
 		uint32 inverse_m = UINT32_MAX / m;
 		auto calculate_cargo_ratio_fix15 = [](const TransportedCargoStat<uint32> &stat) -> uint32 {
 			return stat.old_max ? ((uint64) (stat.old_act << 15)) / stat.old_max : 1 << 15;