Trading Compounding Calculator
See where your account could be after a run of compounding periods. Set your starting balance, your return per period, and any top-ups, and watch the projected balance build.
The capital you begin compounding from.
Average gain you expect each period, reinvested back in.
How many periods you let the account compound for.
Optional top-up you add each period — leave at 0 for none.
Starting at $1,000 and compounding 5.0% over 12 periods projects to $1,795.86 — a total gain of $795.86.
For educational purposes only. Read our risk warning before trading.
How Compounding Builds the Balance
Each period your balance grows by your return rate, and that gain stays in the account to earn its own return next time. Over many periods the growth factor is (1 + rate) raised to the number of periods. A deposit added every period builds up the same way, so it is summed as a compounding series on top.
$1,000 at 5% Per Period
| Periods | Balance |
|---|---|
| 6 | $1,340.10 |
| 12 | $1,795.86 |
| 24 | $3,225.10 |
| 36 | $5,791.82 |
Frequently Asked Questions
Compounding means each period's gain stays in the account and earns a return of its own the next period. Because you grow a larger base each time, the balance rises faster the longer you let it run — growth accelerates rather than staying flat.
A period is whatever you decide — a day, week, month, or year. The math only cares about the return per period and how many periods you run. Just keep the rate and the period length consistent so the projection lines up with how you actually trade.
Be conservative. Real returns vary widely and losing periods are normal, so a steady high rate every period is unlikely to hold. Treat the figure as a what-if, not a promise, and remember a single bad run can wipe out several good ones — trade within your risk limits.
Yes. Set a deposit per period and each top-up is added at the end of every period, then compounds alongside the rest. The Total Contributed figure separates the cash you put in from the gain, so you can see how much growth came from returns versus your own deposits.