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Compound Growth — Month by Month

See every month's opening balance, profit, top-up and closing balance in a full breakdown table. Plan your trading capital growth across up to 60 months.

05 Parameters
R
%
mo
R
R
Final balance
—
Total profit
—
Total deposited
—
Total withdrawn
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Profit compounds on opening balance each month; top-ups and withdrawals apply after.

Month-by-Month Breakdown 12 months
# Opening Profit Top-up Withdrawal Closing
Compound in the same currency

Keeping your account in INR means your monthly returns compound in rupees — no periodic currency conversion that quietly erodes your base capital. If your account were USD-denominated, every withdrawal or rebalance would involve a currency conversion at your bank's retail rate, reducing the long-term compound effect significantly.

FxPro has been operating since 2006 with a consistent regulatory track record across multiple jurisdictions. When compounding returns over months and years, broker stability and fund safety matter as much as trading performance.

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How to use this calculator

01

Enter your starting balance and monthly return

Use a realistic monthly return rate — most retail traders in India achieve 2–5% in favourable months. The table will show you how even modest, consistent returns can compound meaningfully over 12–24 months of disciplined trading.
02

Set periods and optional top-ups or withdrawals

Add a monthly top-up to simulate regular capital additions from your income or savings. Add a withdrawal amount to model taking profits out each month. Both adjustments directly affect the compounding base, so experiment with different combinations to find a strategy that suits your financial goals.
03

Read the month-by-month table

Each row displays the opening balance, that month's profit, any top-up or withdrawal, and the closing balance. Highlighted rows (every 6 months) mark key milestones in your growth journey. The summary at the top shows cumulative totals at a glance.

Frequently asked questions

What is compound growth in trading?

Compound growth means reinvesting your profits back into your trading capital each period rather than withdrawing them. Instead of taking out ₹5,000 profit and continuing to trade on ₹1,00,000, you trade on ₹1,05,000 — so next month's return is calculated on a larger base. Over time this produces exponential growth rather than simple linear gains, which is why capital preservation and consistent returns matter so much.

Is a 4% monthly return realistic for a retail trader in India?

A 4% monthly return is achievable in strong months, but extremely difficult to sustain consistently over a full year. Many experienced traders average 2–3% monthly across a 12-month period. The compound table's real value is not to predict your exact outcome — it is to illustrate what disciplined, consistent trading can produce over time, and to highlight why protecting your capital through proper position sizing is more important than chasing outsized returns.

What happens to compounding when I withdraw profits?

Withdrawing reduces the base balance that future returns compound on. Compare the table with withdrawal set to ₹0 versus a withdrawal of ₹5,000 per month to see the long-term trade-off clearly. Partial withdrawals can still be a rational strategy — taking some profits off the table to cover living expenses or reinvest elsewhere, while continuing to compound the remainder of your capital.

Why does the table cap at 60 months?

60 months, or 5 years, represents a practical and realistic planning horizon for most retail traders. Beyond that timeframe, the compounding curve rises so steeply that the figures become more illustrative than genuinely useful for day-to-day financial planning. For longer projections, try increasing your starting balance or run the table in consecutive segments to get a clearer picture.
The toolkit

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Every tool runs in INR and recalculates as you type. Pick one to jump straight to it.

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Calculate → Trade.

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