Compound Interest Calculator
Project how your funded account grows month by month. Set your expected return, term, profit split and withdrawals — and see how much the compounding effect adds versus flat income.
Input
Up to 60 months (5 years).
The share of profit you keep. The standard at prop firms is 80–90%.
A fixed amount you withdraw each month. What you withdraw stops compounding; what you leave in the account keeps growing.
Result
A 5% per month is the sweet spot: most profitable funded traders average between 5% and 8%. Sustainable and compounds fast.
View month-by-month breakdown (12 months)
| Month | Start balance | Profit | Your share | Withdrawn | End balance |
|---|---|---|---|---|---|
| 1 | $50,000 | $2,500 | $2,000 | $0 | $52,000 |
| 2 | $52,000 | $2,600 | $2,080 | $0 | $54,080 |
| 3 | $54,080 | $2,704 | $2,163 | $0 | $56,243 |
| 4 | $56,243 | $2,812 | $2,250 | $0 | $58,493 |
| 5 | $58,493 | $2,925 | $2,340 | $0 | $60,833 |
| 6 | $60,833 | $3,042 | $2,433 | $0 | $63,266 |
| 7 | $63,266 | $3,163 | $2,531 | $0 | $65,797 |
| 8 | $65,797 | $3,290 | $2,632 | $0 | $68,428 |
| 9 | $68,428 | $3,421 | $2,737 | $0 | $71,166 |
| 10 | $71,166 | $3,558 | $2,847 | $0 | $74,012 |
| 11 | $74,012 | $3,701 | $2,960 | $0 | $76,973 |
| 12 | $76,973 | $3,849 | $3,079 | $0 | $80,052 |
How this is calculated
each month: gross = balance × monthly return % · your share = gross × profit split % · next balance = balance + share − withdrawal
The model runs month by month rather than applying a single annual rate. Each month, gross profit is the current balance times the monthly return, and your share of it is that gross times the profit split.
A withdrawal is capped at that month's share, so the projection never takes out money the month did not earn. Whatever remains stays in the account and becomes the next month's opening balance, which is where the compounding comes from.
The compounding bonus shown alongside the total compares the gain you actually retained against a flat model that earns the same share on the unchanged starting balance every month and takes the same withdrawals. It isolates what compounding added.
The projection assumes the same return every month. Real months vary, so treat the curve as the arithmetic of a constant rate rather than a forecast.