Compounding Calculator
Model account growth over time from a rate and contribution schedule you choose.
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 mentorMethodology
Compound growth
Balance(n+1) = Balance(n) × (1 + Rate) + Contribution, repeated over N periods- 1Enter a starting balance and a period return % — this is a rate you choose to model, not a rate anyone is promising you.
- 2Enter how many periods to project and an optional contribution added each period.
- 3The calculator compounds the balance forward one period at a time, the same way compound interest or reinvested trading profit would.
- 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 mentorReferences
- 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.
