Tools 02 — Monthly return calculator

Monthlyreturncalculator

Model the potential evolution of capital over time.

A mathematical simulation: it shows what an assumed monthly return would produce, not what markets will do.

Initial capital

Monthly return

5,00%per month

% · decimals allowed

Investment period

Compound returns

Monthly contribution optional

Initial capital: € 100.000,00
Monthly return: 5,00%
Monthly profit — month 1: —
Final capital: —
Total profit: —
Total return: —
Period: 12 months

Total return is total profit divided by the capital you put in (initial capital plus contributions).

Return chart

Capital growth
Total profit
Initial capital

X · monthsY · capital, €

Month by month

Month by month: starting capital, monthly return, profit and ending capital
Month	Starting capital	Monthly return	Profit	Ending capital

Scenario comparisonUp to three monthly return assumptions

Scenario A · % per month

—

Scenario B · % per month

—

Scenario C · % per month

—

Same initial capital, period, contribution and compounding as above; only the monthly return changes. Maximum 20% per month.

How it works

Compound, no contributions: Final capital = Initial capital × (1 + monthly return)^months
Compound, with contributions: + Contribution × ((1 + r)^months − 1) ÷ r, contributions at the end of each month
Simple: Final capital = Initial capital + Initial capital × monthly return × months (+ contributions, not reinvested)

Every month is computed in cents and rounded once, so the table and the totals always agree. Contributions arrive at the end of each month, after that month's profit.

This tool is a mathematical simulation. It does not constitute investment advice, an offer or a forecast; returns are not guaranteed and capital is at risk.