Forex Compounding Calculator | calc.forex widget

Account currency

Starting balance

USD

What the account holds when compounding starts.

Compounding period

Number of months

months

Whole number, up to 1,200.

Return per month

Negative values show how losses compound.

Deposit per month

USD

At the end of each month. A minus is a withdrawal.

Final balance

$20,398.87

after 36 months

Total deposited

$10,000.00

Start + deposits

Total earnings

$10,398.87

Growth multiple

2.04×

Final ÷ total deposited

Annualised return

26.82%

2% a month, compounded

Balance over timeBalanceDeposited

Month	Balance	Earnings
3	$10,612	$612
6	$11,262	$1,262
9	$11,951	$1,951
12	$12,682	$2,682
15	$13,459	$3,459
18	$14,282	$4,282
21	$15,157	$5,157
24	$16,084	$6,084
27	$17,069	$7,069
30	$18,114	$8,114
33	$19,222	$9,222
36	$20,399	$10,399

Assumes the same return every period with all profits reinvested. Real returns vary, and losses hurt more than gains help: −50% followed by +50% leaves you at 75%.

Show the math

Each monthbalance × (1 + 2%)
Growth factor(1 + 2%)^36 = 2.0399
Final = B × (1 + r)^n$10,000.00 × 2.0399 = $20,398.87
Earnings = final − deposited$20,398.87 − $10,000.00 = $10,398.87
Annualised return = (1 + r)^12 − 1(1 + 2%)^12 − 1 = 26.82%