Compounding calculator
Free trading compounding calculator. See how a daily, weekly or monthly return grows an account, with optional deposits and a period-by-period table.
| Month | Gain | Deposited | Balance |
|---|---|---|---|
| 1 | €300.00 | €10,000.00 | €10,300.00 |
| 2 | €309.00 | €10,000.00 | €10,609.00 |
| 3 | €318.27 | €10,000.00 | €10,927.27 |
| 4 | €327.82 | €10,000.00 | €11,255.09 |
| 5 | €337.65 | €10,000.00 | €11,592.74 |
| 6 | €347.78 | €10,000.00 | €11,940.52 |
| 7 | €358.22 | €10,000.00 | €12,298.74 |
| 8 | €368.96 | €10,000.00 | €12,667.70 |
| 9 | €380.03 | €10,000.00 | €13,047.73 |
| 10 | €391.43 | €10,000.00 | €13,439.16 |
| 11 | €403.17 | €10,000.00 | €13,842.34 |
| 12 | €415.27 | €10,000.00 | €14,257.61 |
| 13 | €427.73 | €10,000.00 | €14,685.34 |
| 14 | €440.56 | €10,000.00 | €15,125.90 |
| 15 | €453.78 | €10,000.00 | €15,579.67 |
| 16 | €467.39 | €10,000.00 | €16,047.06 |
| 17 | €481.41 | €10,000.00 | €16,528.48 |
| 18 | €495.85 | €10,000.00 | €17,024.33 |
| 19 | €510.73 | €10,000.00 | €17,535.06 |
| 20 | €526.05 | €10,000.00 | €18,061.11 |
| 21 | €541.83 | €10,000.00 | €18,602.95 |
| 22 | €558.09 | €10,000.00 | €19,161.03 |
| 23 | €574.83 | €10,000.00 | €19,735.87 |
| 24 | €592.08 | €10,000.00 | €20,327.94 |
Even consistent traders have losing months. Treat this as what steady returns would do, not a forecast.
How the compounding calculator works
Compounding means each period's return is earned on the balance including earlier gains. 3% a month is not 36% a year; it compounds to about 42.6%.
Formula: balance = start × (1 + r)ⁿ, plus any regular deposits, each of which also compounds from the period it's added. Small changes in the rate make big differences over many periods, and so do drawdowns.
Know your numbers after the trade, too
Lumivar is a trading journal that turns every trade into a P&L calendar, win rate, average R and the patterns behind your results. There's a free plan.
These calculators are for planning and education only and are not investment advice. Check contract specs with your broker.