Lede paragraph: This calculator projects how your trading account grows when returns compound over time, with optional regular deposits. Australian traders can model realistic scenarios using AUD balances and monthly return rates — no spreadsheet required.
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How it works
Compound growth means each period's return is calculated on the new total (principal + previous returns). When you add deposits, those also start earning returns immediately. The calculator applies the same fixed return rate each period, giving you a clean projection of what your account could reach.
Formula block:
Final balance = principal × (1 + r)^n + deposits × ((1 + r)^n - 1) / r
Where:
r= return rate per period (e.g., 2% = 0.02)n= number of periodsdeposits= amount added each period
The formula assumes rate consistency across all periods. For AUD accounts, all values are in Australian dollars — no currency conversion needed. The calculator does not account for brokerage fees, spreads, or slippage, which would reduce actual results.
Worked example
Example: AUD 5,000 starting, 2% monthly return, 24 months, AUD 500 monthly deposit
- Starting balance: AUD 5,000
- Monthly return rate: 2.0%
- Periods: 24 months
- Monthly deposit: AUD 500
We apply the formula: 5,000 × (1.02)^24 + 500 × ((1.02)^24 - 1) / 0.02. The first term grows the starting principal to AUD 8,042. The second term grows the deposit stream to AUD 14,805.
Result: AUD 22,847 after 24 months
This is a gross projection — actual returns would be reduced by trading costs and variable performance.
Edge cases
- Zero deposits: When
deposits = 0, the formula simplifies toprincipal × (1 + r)^n— pure compounding. - Negative return rates: The calculator accepts negative values (e.g., -1%), but the formula still holds mathematically. Expect decay, not growth.
- Large period counts: For
n > 120months, rounding differences may appear at the cent level due to floating-point arithmetic. - Partial periods: The calculator uses whole periods only. Intra-period compounding is not modelled.
Glossary
- Expectancy — The average amount you can expect to win or lose per trade over many trades.
- Win Rate — The percentage of trades that close in profit.
- Drawdown — A peak-to-trough decline in your account balance, usually expressed as a percentage.
FAQ
How accurate is this Compound Calculator?
The math is exact — the formula is applied without approximation. However, the result is only as accurate as your inputs. Real trading returns vary period-to-period, unlike the fixed rate used here.
Does it work for any broker?
Yes. The formula is universal. Your broker's specific fees, spreads, and commissions are not included — you'll need to adjust your expected return rate accordingly.
What if my pair isn't in the dropdown?
The calculator uses a generic return rate input, not specific instruments. You can enter any rate manually. If you need help estimating a rate for a specific asset, contact us.
Why does the result differ from my broker's panel?
Broker panels often include spreads, commissions, or mark-ups in their projections. This calculator shows gross returns before costs. Your broker may also use different compounding assumptions (e.g., daily vs monthly).
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