Compound Interest Calculator
Leave at 0 if you don't add capital monthly.
Project your trading account growth month by month with a consistent monthly or annual return, with or without periodic contributions. Visualize the power of compound interest and set realistic capital goals.
Leave at 0 if you don't add capital monthly.
The Compound Interest Calculator projects how your trading account grows if you maintain a consistent monthly return over a defined period, with or without additional contributions. The result is not a prediction — it is a planning tool for setting realistic goals and understanding how much consistency matters over time.
Without monthly contributions, the capital at the end of each month is:
Capital(n) = Initial Capital × (1 + r)ⁿ
With additional monthly contributions (C):
Capital(n) = Initial Capital × (1 + r)ⁿ + C × ((1 + r)ⁿ − 1) / r
When you enter an annual return, the calculator converts it to the exact compounded monthly equivalent: r_monthly = (1 + r_annual)^(1/12) − 1. This is mathematically more accurate than dividing by 12.
Compound interest rewards the trader with the most consecutive positive months, not the best single month. A trader with modest but consistent returns systematically outperforms one with large gains interrupted by large losses — the mathematical reason behind always respecting the stop loss.