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Trading Compounding Calculator
Project how an account grows when returns are reinvested period after period, with optional regular deposits, and see the full period-by-period table.
%
Projected balance$6,341.21
Total gain$1,341.21
Simple growth (no compounding)$6,200.00
Total deposits$0.00
Growth on starting balance26.82%
Period-by-period growth
| Period | Start balance | Gain | End balance | Gain |
|---|---|---|---|---|
| 1 | $5,000.00 | $100.00 | $5,100.00 | |
| 2 | $5,100.00 | $102.00 | $5,202.00 | |
| 3 | $5,202.00 | $104.04 | $5,306.04 | |
| 4 | $5,306.04 | $106.12 | $5,412.16 | |
| 5 | $5,412.16 | $108.24 | $5,520.40 | |
| 6 | $5,520.40 | $110.41 | $5,630.81 | |
| 7 | $5,630.81 | $112.62 | $5,743.43 | |
| 8 | $5,743.43 | $114.87 | $5,858.30 | |
| 9 | $5,858.30 | $117.17 | $5,975.46 | |
| 10 | $5,975.46 | $119.51 | $6,094.97 | |
| 11 | $6,094.97 | $121.90 | $6,216.87 | |
| 12 | $6,216.87 | $124.34 | $6,341.21 |
How it works
End balance = (Start balance + Deposit) × (1 + Rate)
repeated for every period
Without deposits: Final = Start × (1 + Rate)ⁿWorked example
A $5,000 account compounding at 2% per period for 12 periods grows to about $6,341. Simple (non-compounded) growth on the same inputs is $6,200 — the extra $141 is reinvested gains.
FAQ
What is compounding in trading?
Compounding means reinvesting profits so each period’s return is earned on a larger base. Gains accelerate over time: 2% per period for 12 periods produces 26.8% in total, not 24%.
What should I use as the “gain per period”?
Use your realistic average return per period — per month is common. Be conservative: consistent small percentages compound powerfully, while overestimating returns produces projections no strategy can deliver.
Do the deposits earn returns too?
Yes. Each deposit is added at the start of its period, so it participates in that period’s gain and everything that compounds afterwards.
Is this a guarantee of future performance?
No. The table is pure arithmetic on the inputs you provide. Real trading returns vary period to period and include losing stretches, so treat the projection as a planning aid, not a forecast.
What is the simple-growth comparison?
Simple growth applies the rate once per period without reinvesting: $5,000 at 2% for 12 periods is $6,200, versus about $6,341 when returns compound. The gap is the value of reinvestment.
Can I project weekly or monthly?
Yes. Choose Week or Month as the period unit — the arithmetic is the same; only the table labels change. Be consistent: a 2% weekly rate is not the same as a 2% monthly rate.
Why is the default starting balance $5,000?
It matches a typical funded-account or small live-account starting point and keeps the 12-period 2% example ($6,341 vs $6,200) easy to verify. Replace it with your own balance.
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The results produced by these calculators are estimates based on live market prices and the inputs you provide. They are for informational purposes only and do not constitute investment advice. Actual trading conditions, including spreads, commissions, swap rates and broker margin requirements, may differ. Trading foreign exchange and CFDs carries a high level of risk and may not be suitable for all investors.
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