Free tool

Compounding Calculator

Model account growth over time from a rate and contribution schedule you choose.

Hypothetical modelling
The return % below is a hypothetical rate you choose to model — not a return SmartSnR promises, projects, or that any member has achieved.
Total contributed$1000.00
Growth (hypothetical)$795.86
Ending balance$1795.86

Why it matters

Compounding math looks generous at a glance and punishing the moment a drawdown enters the picture — pairing this tool with the Drawdown Recovery Calculator is exactly how we teach members to stress-test a growth assumption instead of just hoping it holds.

Talk growth assumptions with a mentor

Methodology

Compound growth

Balance(n+1) = Balance(n) × (1 + Rate) + Contribution, repeated over N periods
  1. 1Enter a starting balance and a period return % — this is a rate you choose to model, not a rate anyone is promising you.
  2. 2Enter how many periods to project and an optional contribution added each period.
  3. 3The calculator compounds the balance forward one period at a time, the same way compound interest or reinvested trading profit would.
  4. 4Try a few different, conservative rates side by side — the point of this tool is to see how sensitive long-run outcomes are to the rate you assume, not to find "the" number.

Worked example

Inputs

Starting balance
$1,000
Assumed return
5% per period
Periods
12
Contribution
$0

Result

Ending balance (hypothetical)
$1,795.86

Why it matters

Compounding math looks generous at a glance and punishing the moment a drawdown enters the picture — pairing this tool with the Drawdown Recovery Calculator is exactly how we teach members to stress-test a growth assumption instead of just hoping it holds.

Talk growth assumptions with a mentor

References

  • The standard compound-growth formula used in personal finance and trading-account growth modelling.

Figures here are for educational planning only — not trading, investment, or tax advice. Confirm exact contract size, margin, and leverage with your own broker or prop firm before trading real size.

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