See exactly how much your trading account can grow when you reinvest monthly profits. This free forex compounding calculator applies your monthly return to the new balance each month — the same way real forex compounding works — and gives you a full month-by-month schedule so you can plan realistic long-term goals for your XAUUSD or forex trading account.
Forex Compounding Calculator is part of the free Aurex Trader calculator suite — 23 browser-based tools for gold (XAUUSD) and forex traders. Nothing is installed, no account is required, and every calculation runs locally in your browser.
Formula: Final Balance = Starting Balance × (1 + Monthly Return)^Months (with optional monthly deposits added each month) Example: $10,000 starting × 5% monthly for 12 months = $17,958.56 final balance — 79.6% total return purely from compounding.
For a disciplined discretionary trader, 3%–8% monthly is achievable — but not consistently. Professional funds typically target 1%–3% monthly with tight risk control. Beware of anyone promising a fixed compounded return.
With compounding, each month's profit is calculated on the new higher balance — so gains accelerate over time. 5% monthly compounded over a year gives 79.6%, not 60% (5% × 12).
Most traders compound during the first 12–24 months to grow the account, then start withdrawing a portion (25%–50%) of monthly profits once the balance is meaningful. Reinvesting 100% forever exposes you to catastrophic drawdown risk.
No — the monthly return % you enter should already be your net return after spreads, commissions, and swaps. Use your realised historical net return, not gross.
Yes — use it to project growth after a payout split. For example, on an 80/20 prop firm split, if the firm's account earns 5% monthly you enter 4% (your after-split share).