Account Balance Scenario Planner
Build an auditable account-balance schedule from one starting value, one fixed periodic return, one signed end-of-period cash flow and an entered horizon. This planning view adds no random outcomes, benchmarks or probability claims.
Define one account-balance scenario
Use this route for a transparent fixed-return account schedule, not a forecast or scenario comparison.
A display label only; no currency conversion occurs.
The balance before the first modeled period.
A constant scenario input, not an estimated return.
Positive adds capital; negative requests a withdrawal.
A whole-number horizon from 1 to 1,200.
Labels the schedule only; no rate conversion occurs.
Entered-assumption projection
Deterministic Periodic Growth model 1.0.0.
| Period | Opening balance | Entered-rate change | Applied cash flow | Closing balance |
|---|
A transparent balance schedule, not a simulation
Every row uses the same recurrence: return on the opening balance first, then the signed end-of-period cash flow. The page does not draw random outcomes or infer a likely path.
The separation between growth and applied cash flow makes it possible to see how much of the ending balance came from the entered return versus external capital changes.
Worked examples
| Entered scenario | Derived output | Meaning |
|---|---|---|
| 10,000; 0.5% per month; no cash flow; 12 months | 10,616.78 | A constant 0.5% monthly scenario, not a predicted annual return. |
| 10,000; 0% per month; +250; 12 months | 13,000.00 | All change comes from entered contributions. |
| 5,000; −5% per period; 0; 3 periods | 4,286.88 | Losses compound from the lower balance each period. |
Model and execution limitations
- The page does not estimate win rate, payoff, volatility, drawdown, streaks or return uncertainty.
- The constant entered rate is not a target, expected return or statement about what is realistic.
- Spreads, commissions, financing, slippage, gaps, taxes and broker execution are outside the recurrence.
- Changing deposits or withdrawals require separate scenarios because one constant cash flow is repeated.
The CFTC cautions that hypothetical results have inherent limitations and that actual results can differ because of factors including spreads, commissions, liquidity and execution. The result on this page should be read within the narrower boundaries stated above.
Frequently asked questions
- A forecast estimates an uncertain future. This tool only repeats the exact rate and cash-flow assumptions you enter.
- No. There is no random process, win rate or payoff distribution in this model.
- Yes, provided it is greater than −100% per period. The schedule compounds from each lower closing balance.
- Use the signed end-of-period cash-flow field. One constant amount is repeated each period.
- No. Every row is derived only from the entered constant assumptions and is not a claim about achievable results.
Method sources and provenance
- Investor.gov compound-interest calculator — Official reference for scenario inputs such as initial amount, recurring cash flow, horizon and rate.
- CFTC trading-system advisory — Official caution about hypothetical results and actual execution differences.
Local calculation: Inputs are processed in the browser by the named versioned model. The page does not send entered balances, rates, probabilities or notes to a calculation API.
Continue the performance workflow
Compare broker cost and execution terms
Before treating a scenario as net, confirm which spreads, commissions, financing charges, leverage rules and execution conditions apply to the account and broker entity available in your jurisdiction.
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