# Compounding Calculator

> Project account growth at a steady gain per period with a full period-by-period compounding table. Compare scenarios like 3% vs 5% monthly.

**Source:** https://propfirmito.com/tools/compounding-calculator/  
**Last modified:** 2026-07-07

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# Trading Compounding Calculator

Project account growth when returns compound at a steady rate per period — monthly, weekly, or per any interval you choose — with the full period-by-period table. A constant rate is a simplification: real returns vary.

Starting balance ($) Gain per period (%) Number of periods Calculate

## Results

Final balance $17,958.56

Total gain $7,958.56

Total return 79.6%

The results below use the form’s default values. Enable JavaScript to recalculate live with your own numbers.

## How it works

**Formula:** Balance after n periods = start × (1 + rate)ⁿ. Example: $10,000 at 5% per period for 12 periods = $10,000 × 1.05¹² = $17,958.56 (+79.6%).

## Worked example

| Period | Balance | Period gain |
| --- | --- | --- |
| 1 | $10,500.00 | $500.00 |
| 2 | $11,025.00 | $525.00 |
| 3 | $11,576.25 | $551.25 |
| 4 | $12,155.06 | $578.81 |
| 5 | $12,762.82 | $607.75 |
| 6 | $13,400.96 | $638.14 |
| 7 | $14,071.00 | $670.05 |
| 8 | $14,774.55 | $703.55 |
| 9 | $15,513.28 | $738.73 |
| 10 | $16,288.95 | $775.66 |
| 11 | $17,103.39 | $814.45 |
| 12 | $17,958.56 | $855.17 |

## Frequently asked questions

### How does compounding work in trading?

Gains earned in one period increase the base for the next, so growth accelerates: 5% per month is not 60% per year but 79.6%, because each month’s profit itself starts earning.

### Is a fixed percentage per period realistic?

No trader earns exactly the same each period — this table is a projection device, not a forecast. It is most useful for comparing scenarios (e.g. 3% vs 5% monthly) and for seeing how quickly reinvested gains dominate.

### Does compounding apply to prop firm accounts?

Partially. On funded accounts you typically withdraw profits rather than reinvest them, so within one account compounding is limited; scaling plans that grow your capital allocation are where the compounding effect actually shows up.

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Free educational calculator. Not financial advice. Rules differ by firm — always verify exact values on your firm’s official site.