Project a consistent monthly return into 6-month, 1-year, 2-year and 3-year account values — and see the equivalent annual return it implies.
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3% a month is not 36% a year — it's 42.6%, because each month's gain earns the next month's return. The gap widens fast: 5% monthly annualises to 79.6%, and 10% monthly to 213.8%. If a projected figure looks like it belongs to the world's greatest investors, the monthly input is optimistic.
The withdrawal option matters for anyone trading for income: taking out even a modest fixed amount each month dramatically flattens the curve, because withdrawals hit the compounding base. Run both versions and see what your plan actually supports.
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Start Free — No Credit Card →Sustained over years, even 3% monthly (42.6% annualised) would place a trader among the very best in the world. Some months will be far better — the honest question is the average across winning and losing months, net of charges. Your journal knows.
A withdrawal removes capital that would have compounded every subsequent month. Withdrawing ₹10,000 monthly from a ₹5,00,000 account earning 3% cuts the 3-year outcome far more than ₹3,60,000 — it also removes all the growth that money would have produced.
Neither — use the median monthly return over at least 12 months, net of charges. Averages get distorted by one lucky month; best months are marketing, not planning.