How compounding works
Each month earns its % on the balance it started with, so the gains themselves start earning. Over many months the curve bends upwards. Example: $1,000 at 2 % a month with $100 added each month is about $4,650 after 24 months.
The reality check
A steady monthly % is the hardest part. 10 % a month sounds small but is about 214 % a year; 20 % a month would be about 790 %. Real trading has losing months and drawdowns, and one large loss can undo many good months: a 50 % loss needs a 100 % gain to get back. Use the calculator to set calm goals, not as a forecast, and keep the risk per trade small (see the lot size calculator).
Withdrawals
Enter a minus amount to take money out each month. The table shows how withdrawals slow the growth, and the balance never goes below zero.
Questions
What is a realistic monthly return?
There is no safe number. Results change from month to month and many months lose. Treat any steady % as a goal, not a promise.
Is the monthly add counted before or after the gain?
After: each month first earns its % on the starting balance, then the deposit or withdrawal is added.
Does it include fees and taxes?
No. Spreads, commissions, swaps, platform fees and taxes all lower the real result.
See fair value gaps, order blocks and liquidity drawn for you on live charts in ICC Charts, or train your eye in the free Chart Challenge game.
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