How to Use CompoundFlow

Choose a Mode

Two modes are available: Growth Mode — enter a starting balance, daily rate, and time period to see your projected balance. Find Principal Mode — enter a target monthly income and daily rate to calculate how much principal you'd need invested to sustain that income indefinitely without touching the principal.

Enter Your Principal

Your starting deposit amount. The larger the principal, the more compounding accelerates growth — especially over longer periods. Small starting amounts still produce compelling results when daily rates are consistent.

Enter the Daily Interest Rate

The percentage earned each day. As you type, the app shows the equivalent Annual Percentage Yield (APY) — putting the number in context against traditional investments. A 0.35% daily rate equals roughly 258% APY. That's useful context, not alarm — it simply reflects why these platforms attract interest.

Set a Time Period

Enter years, months, and/or days. The shorter the window, the more grounded the projection. Many users model 30, 60, and 90-day scenarios to track against actual platform performance.

Add Monthly Contributions (Optional)

If you're adding funds regularly, enter that amount and select the frequency. This shows how consistent capital additions compound alongside your base principal.

Review the Monthly Schedule

After calculating, a month-by-month table appears showing starting balance, interest earned, and ending balance. This makes the compounding curve tangible and easy to follow.

Use It as a Tracking Tool

These projections assume a constant rate. In practice, AI trading platforms produce variable daily returns. Use the calculator regularly — plug in your actual returns and compare against the model to track real performance.