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Compound Growth Calculator

Project how your trading account grows with consistent monthly returns. Visualize the power of compounding over time.

Mode

Starting Balance

USD

Monthly Return

Months

Monthly Deposit

USD

Capital Gains Tax Rate

Goal Calculator

Target Balance

USD

Rate Needed

14.35%/mo

to reach $50,000 in 12 months

vs Current Rate

1%/mo

need +13.35% more

Rate = (Target ÷ Balance)^(1÷Months) − 1. Pure compound growth, no deposits.

Final Balance

$11,268.25

Total Profit

+$1,268.25

Total Return

+12.7%

CAGR

12.7% / yr

Balance Growth

12 periods

Growth Breakdown

Month	Balance	Monthly +	Total Profit	Return
1	$10,100.00	+$100.00	+$100.00	+1.0%
2	$10,201.00	+$101.00	+$201.00	+2.0%
3	$10,303.01	+$102.01	+$303.01	+3.0%
4	$10,406.04	+$103.03	+$406.04	+4.1%
5	$10,510.10	+$104.06	+$510.10	+5.1%
6	$10,615.20	+$105.10	+$615.20	+6.2%
7	$10,721.35	+$106.15	+$721.35	+7.2%
8	$10,828.57	+$107.21	+$828.57	+8.3%
9	$10,936.85	+$108.29	+$936.85	+9.4%
10	$11,046.22	+$109.37	+$1,046.22	+10.5%
11	$11,156.68	+$110.46	+$1,156.68	+11.6%
12	$11,268.25	+$111.57	+$1,268.25	+12.7%

Rate Comparison — 12 months at $10,000

Rate / mo	Final Balance	Total Return	CAGR
Inflation (~3%/yr)ref	$10,300.00	+3.0%	3.0%/yr
S&P 500 (~10%/yr)ref	$11,000.00	+10.0%	10.0%/yr
1%← yours	$11,268.25	+12.7%	12.7%/yr
2%	$12,682.42	+26.8%	26.8%/yr
3%	$14,257.61	+42.6%	42.6%/yr
5%	$17,958.56	+79.6%	79.6%/yr

Click any row to apply that rate. "ref" rows are benchmarks — not clickable.

Bad Month Stress Test

Losing months/yr

months/yr

Bad month loss

Stressed final

$9,969.21

Ideal final

$11,268.25

With 2 bad months/yr at −5%, you end up 11.5% below the ideal compound scenario (−$1,299).

Theoretical model — assumes the same return every month. Real trading involves losing months and drawdowns. Use for planning only.

Formula: Balance[n] = Balance[n−1] × (1 + rate%). CAGR = (Final ÷ Initial)^(12/months) − 1. Rule of 72: divide 72 by monthly return % to estimate months to double.

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Capital at risk · T&Cs apply

Compound Growth Calculator Formula

Final Balance = Start × (1 + Monthly Return %)^Months

Example: $5,000 at 3%/month for 12 months: $5,000 × 1.03¹² = $7,128.80

Compound Growth Calculator FAQ

What is compound growth in trading?

Compound growth means reinvesting your profits so each month's gains are calculated on a larger balance. Even small monthly returns compound into significant growth over time.

What is a realistic monthly return?

Consistently profitable traders typically target 2-5% monthly returns. Be skeptical of claims above 10% monthly — they usually involve excessive risk.

How long does it take to double a trading account with compounding?

At 5% monthly compound growth it takes about 15 months to double your account. At 3% monthly it takes roughly 24 months. The Rule of 72 (72 ÷ monthly rate) gives a quick estimate in months.

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Calculator results are estimates only — not financial advice. Trading involves significant risk of loss. Full risk disclosure.