Forex Compounding Calculator — Compound Interest Growth

Enter your starting balance, then use the sliders to set your monthly gain percentage and the number of months you want to project. Optionally, enter a monthly withdrawal if you plan to take profits out of the account each month.

The calculator shows your final balance, total profit, and total percentage return. Scroll through the month-by-month table to see exactly how compounding accelerates your growth over time — the gains in month 24 are substantially larger than in month 1, even at the same return percentage.

Be realistic with your monthly gain target. Consistently achieving 3–5% per month over years is elite-level performance. Most professional traders target 2–3% per month. Use conservative estimates to set realistic expectations.

The compounding formula applied month by month:

• Monthly Profit = Current Balance × (Monthly Return % ÷ 100)
• End-of-Month Balance = Previous Balance + Monthly Profit − Monthly Withdrawal

Without withdrawals, this is equivalent to the standard compound interest formula:

• Final Balance = Starting Balance × (1 + Monthly Rate)^Months

Example: $10,000 starting balance, 3% monthly gain, 24 months:

• Final Balance = $10,000 × (1.03)^24 = $20,328
• Total Profit = $10,328 (103.3% return in 2 years)

Example 1 — Conservative Compounding (2% / month)

• Starting: $5,000 | Monthly gain: 2% | Duration: 36 months
• Final balance: $10,157 (+103.1%)
• Your account more than doubles in 3 years at just 2% per month.

Example 2 — Aggressive Compounding (5% / month)

• Starting: $5,000 | Monthly gain: 5% | Duration: 24 months
• Final balance: $16,133 (+222.7%)
• Note: 5% monthly consistently is extremely difficult to sustain in live trading — this illustrates the math, not a realistic expectation.

Example 3 — Compounding with Monthly Withdrawal

• Starting: $20,000 | Monthly gain: 3% | Monthly withdrawal: $300 | Duration: 24 months
• Final balance: ~$26,700 plus $7,200 total withdrawals
• Taking profits monthly significantly reduces the compounding effect but provides cash flow.