Prop Firm Calculator
Model your funded account growth after the firm's cut. Set your profit split (80%, 90%, custom), regular withdrawals, and compounding period — see what consistency actually pays when you don't keep 100%.
How compounding works
The formula
Each period, profit is calculated on your current full balance — including all prior gains. With a starting balance P, periodic return r, and n periods:
balance = P × (1 + r)nWith a profit split s (your share %) and withdrawal w:
balance = (balance + balance×r×s/100 + C − w) per periodWhy it matters
Compounding turns consistency into outsized results. A trader making 5% monthly doesn't grow 60% a year — they grow roughly 79%, because each month's gains compound on a larger base.
The flip side: losses compound too. A 50% drawdown requires a 100% gain just to break even. This is why risk management — not raw return — is the real edge.
Common questions
How does the profit split affect compounding?
If your prop firm keeps 20% of profits (an 80/20 split), set profit split to 80%. The calculator compounds only your 80% share each period. This shows the real growth of your funded account — not the gross balance, but what you actually get to compound.
What profit split should I enter?
Common splits: 80/20 (FTMO, many firms), 90/10 (premium firms, scaling plans), 75/25 (entry-level), 95/5 (top-tier). Enter the percentage YOU keep. If you're on a scaling plan that increases your split over time, use Advanced Mode to chain stages with different splits.
Should I model withdrawals from a prop firm account?
Yes — most prop firms require or encourage regular payouts. Set a withdrawal amount (e.g. $500/month or 10% of balance) to model taking profits out while letting the remainder compound. This shows a realistic trajectory rather than an unrealistic 'never withdraw' scenario.
Why 260 days per year for prop firms?
Most prop firms trade forex and indices on a 5-day schedule, closing for weekends. That's ~260 trading days per year. The calculator uses this for accurate CAGR calculations in daily mode and skips weekends in the projection.
Can I model a scaling plan with increasing splits?
Yes. Use Advanced Mode to chain stages: Stage 1 with 80% split for 6 months, then Stage 2 with 90% split for the next 12 months. Each stage compounds from the previous stage's ending balance, modeling your scaling plan precisely.
How do I share my prop firm projection with my community?
Click 'Share My Vision' to copy a URL with all your inputs — balance, profit split, withdrawals, and chart. Paste it in Discord, your trading group, or X. Anyone who opens the link sees your exact funded-account projection.
Ready to put compounding to work?
Pair this projection with disciplined position sizing. Explore our other free trading tools.