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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. Up to 60 months.

05 Parameters
R
%
mo
R
R
Final balance
—
Total profit
—
Total deposited
—
Total withdrawn
—

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

A ZAR account means your monthly returns compound in rand — no periodic currency conversion that silently erodes your base. If your account were USD-denominated, each withdrawal or rebalance involves a currency conversion at your bank's rate, reducing the compound effect.

FxPro has been operating since 2006 — the oldest broker in the South African market comparison. Track record matters when you're compounding over years.

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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 achieve 2–5% in positive months. The table will show you how even modest returns compound significantly over 12–24 months.
02

Set periods and optional top-ups or withdrawals

Add a monthly top-up to simulate regular capital additions from income. Add a withdrawal amount to model taking profits out each month. Both affect the compounding base each month.
03

Read the month-by-month table

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

Frequently asked questions

What is compound growth in trading?

Compound growth means reinvesting profits into your trading capital each period. Instead of withdrawing R1,000 profit and trading R50,000 again, you trade R51,000 — so next month's return is calculated on a larger base. Over time this produces exponential growth, not linear.

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

It is achievable in good months, but extremely difficult to sustain consistently. Many experienced traders average 2–3% monthly over a year. The compound table's value is not to predict your outcome — it is to show you what disciplined, consistent trading can produce, and why protecting capital (through position sizing) matters more than chasing high returns.

What happens to compounding when I withdraw profits?

Withdrawing reduces the base balance that future returns compound on. Compare the table with withdrawal=0 versus withdrawal=R2,000 per month to see the trade-off. Partial withdrawals can be a rational strategy — taking some profits off the table while still compounding the remainder.

Why does the table cap at 60 months?

60 months (5 years) is a realistic planning horizon for a retail trader. Beyond that, the compounding curve rises so steeply that it becomes illustrative rather than useful for planning. For longer projections, increase your starting balance or run the table in segments.
The toolkit

More calculators

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

Lot Size

Size every position to a fixed % risk and stop-loss in pips.

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Margin

See the margin a trade locks up at 1:50 to 1:500 leverage.

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Profit & Loss

Model entry, exit and direction to project the rand outcome.

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Compound

Project account growth from a monthly return over time.

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Swap / Overnight

Calculate the overnight fee cost for holding a position past midnight.

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Calculate → Trade.

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