Compounding Calculator
See what fixed, repeatable gains would produce — plus a realistic view of what real trading actually delivers.
Inputs
Max 365 periods
Results
Final Balance
$1,347.85
Total Growth
Starting Balance
Periods (days)
| Period | Start | Gain | Withdrawal | End |
|---|---|---|---|---|
| 1 | $1,000.00 | +$10.00 | −$0.00 | $1,010.00 |
| 2 | $1,010.00 | +$10.10 | −$0.00 | $1,020.10 |
| 3 | $1,020.10 | +$10.20 | −$0.00 | $1,030.30 |
| 4 | $1,030.30 | +$10.30 | −$0.00 | $1,040.60 |
| 5 | $1,040.60 | +$10.41 | −$0.00 | $1,051.01 |
| 6 | $1,051.01 | +$10.51 | −$0.00 | $1,061.52 |
| 7 | $1,061.52 | +$10.62 | −$0.00 | $1,072.14 |
| 8 | $1,072.14 | +$10.72 | −$0.00 | $1,082.86 |
| 9 | $1,082.86 | +$10.83 | −$0.00 | $1,093.69 |
| 10 | $1,093.69 | +$10.94 | −$0.00 | $1,104.62 |
| 11 | $1,104.62 | +$11.05 | −$0.00 | $1,115.67 |
| 12 | $1,115.67 | +$11.16 | −$0.00 | $1,126.83 |
| … | ||||
| 30 | $1,334.50 | +$13.35 | −$0.00 | $1,347.85 |
Fixed % gains do not exist in real trading. This shows the mathematics of compounding — not a promise of returns.
How it works
Compounding is what happens when you leave your gains in the account. Each period's gain gets added to the balance before the next period is calculated — so you're earning a return on your original capital and on every prior gain.
The formula per period is straightforward: endBal = startBal + startBal × gain% − withdrawal. Nothing exotic. What's exotic is the human tendency to underestimate how fast a 1% daily gain grows into 3,678% over a year — or to overestimate how consistently those gains actually happen.
The withdrawal %option models a common professional pattern: keep growing the account but pull some percentage of each period's gains out to live on. Set it to 100% and the balance stays flat — you're treating the account as an income stream, not a growth engine.
The reality-check line above the CTA is not decoration. Nobody in the real markets earns a fixed % every period. Real equity curves have flat weeks, drawdown weeks, and outlier weeks. Use this tool to understand the power of compounding — then use our backtest analyzer to test the realism of your assumptions.
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