Small Account Compounding Calculator
Test how a daily payout contract model could behave over time using your own starting amount, daily rate, top-ups, and withdrawal targets.
OT compounding rate guide
Use the daily percentage input to model different plan ranges. These are example daily ranges only, not guarantees.
Watch the walkthrough
See how the calculator handles deposits, manual withdrawals, auto-withdraw days, and 200% contract drop-offs.
Want to see example breakdowns?
I’ve also recorded pre-built examples showing how the model can look with starting amounts like $100, $300, $1,000, $3,000, $10,000 and more.
Watch the example breakdownsTest the numbers
Start simple. Change the starting amount and daily rate, then hit calculate.
reinvest $10
cap 200%
days 100%
The calculator uses the same daily percentage every day. To test a different return, change the percentage and calculate again.
Tick the days where available wallet balance should be withdrawn instead of compounded, but only after the trading volume target above has been reached.
Example: Day 30 and $50 adds a new $50 contract. Extra deposits start earning the following day.
If the wallet does not have enough, compounding pauses until the withdrawal amount has accumulated.
Monthly trading volume
The chart shows end-of-month trading volume, using 30-day blocks for the first 11 months and the final day for month 12.
Monthly summary
A cleaner monthly view of the model without dumping the whole spreadsheet on the page.
| Month | End day | End trading volume | Monthly payouts | Withdrawn | New contract days | Drop-off days |
|---|
Day-by-day breakdown
| Day | Start volume |
Daily payout |
Wallet | New contract |
Extra deposit |
Withdrawn | Dropped | Next-day volume |
Action |
|---|
Model assumptions
Want the private breakdown?
I built this calculator to test a real contract-style compounding model. Enter your details below to get the private overview, tracker explanation, and setup notes.
This calculator is for modelling and educational purposes only. It is not financial advice, not a guarantee of results, and not a promise of income. Daily rates, payouts, withdrawals, and real-world outcomes can vary.
