Compound interest and account growth
How a balance grows with a return per period, deposits or withdrawals.
Example inputs, not market prices: change them to your trade.
Result
How it is computed
A = P × (1 + r ÷ n)^(n × t) + deposits
P is the starting balance, r the return per period, n the compounding steps per period and t the number of periods. Deposits or withdrawals are added each period, at its start or its end.
Worked example
Inputs
- Starting balance
- 10,000
- Return per period (%)
- 2
- Number of periods
- 12
- Deposit timing
- End of period
Result
Final balance
12,682.42
- Total deposits
- 0
- Total gains
- +2,682.42
- Total return
- +26.82%
Computed on the server by the same code as the form above (calculator table 2026-10-04.1).
Questions
What is the effective rate?
The return per period once the inner compounding is counted: 12 % a year compounded monthly is about 12.68 %.
Can the rate be negative?
Yes, to see what a loss per period does to the balance.
Does it work for a monthly trading return?
Yes: use months as periods and the monthly return as the rate.
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A calculation, not a forecast. Not investment advice.