Free tools
/
Compounding Calculator

Trading compounding calculator

See what a steady return does to an account over time, with or without regular deposits — and why consistency matters more than any single big month.
Free
No sign-up
Runs in your browser
Starting balance
$
Return period
Return per period
%
Months
Deposit each period (optional)
$
Final balance
$12,682.42
$10,000.00 put in · +$2,682.42 growth
Month 1
$10,200.00
Month 2
$10,404.00
Month 3
$10,612.08
Month 4
$10,824.32
Month 5
$11,040.81
Month 6
$11,261.62
Month 7
$11,486.86
Month 8
$11,716.59
Month 9
$11,950.93
Month 10
$12,189.94
Month 11
$12,433.74
Month 12
$12,682.42

Stop calculating by hand

SetMetric is a free trading journal that does this math for every trade you take — position risk, R-multiples, win rate, expectancy and drawdown — and shows you which setups, times and habits make or lose you money.

How compounding works for a trading account

When gains stay in the account, each period's return is earned on a bigger balance. 2% a month on $10,000 becomes about $12,682 after 12 months — more than the $12,400 that 24% simple growth would give.
The calculator applies the same return every period and adds any deposit at the end of each period.

A reality check

Real trading returns aren't steady: they come with losing months and drawdowns, and a single large loss can undo many months of compounding. Use this to understand what consistency is worth, not to forecast your results. Tracking your actual monthly returns in a journal is the only way to know your real growth rate.

Frequently asked questions

Final balance = starting balance × (1 + return per period) raised to the number of periods. With deposits, each period's balance is grown by the return and then the deposit is added.
Compounded 1% a day over 250 trading days would turn $10,000 into about $120,000 — which is why sustained daily returns like that are extremely rare. Most consistent traders measure their returns monthly or yearly.
That depends on your goals and whether you depend on trading income. Compounding grows the account faster; regular withdrawals reduce the size of future gains but also reduce how much is at risk.

More free trading tools

Trade Analyzer
Drop in your broker's CSV and get a full performance report in seconds.
Position Size Calculator
How many shares or contracts to buy for the risk you choose.
Risk/Reward Calculator
Your reward-to-risk ratio and the win rate it needs to break even.
Trading Profit Calculator
Net profit or loss of a trade after fees, with return and R-multiple.
Win Rate & Expectancy Calculator
Whether your win rate and average win/loss actually make money.
Drawdown Calculator
The gain you need to recover a drawdown, and the odds of a losing streak.