Calculate the capital you need to replace your salary through trading. Get a reality-checked breakdown across conservative, moderate, and optimistic return scenarios.
Calculate the capital you need to replace your salary through trading. Get a reality-checked breakdown across conservative, moderate, and optimistic return scenarios.
Find the minimum trading capital required to replace your income. This is a planning tool — not a guarantee. Most professional traders target 2–5% monthly return on capital.
Pro traders: 2–5% is excellent
Capital Required to Earn ₹1,50,000/month
₹50,00,000
at 3.00% monthly return (36.00% annualised)
Capital to Match Salary
₹33,33,333
To earn ₹1,00,000/month
Capital to Cover Expenses
₹20,00,000
Bare minimum to sustain
Strategy Expectancy
0.650R
Min win rate: 33.33%
Capital Required by Return Scenario
| Scenario | Monthly Return | Capital for Target | Annual Return |
|---|---|---|---|
| Conservative (1.5%/mo) | 1.50% | ₹1,00,00,000 | 18.00% |
| Moderate (3%/mo) | 3.00% | ₹50,00,000 | 36.00% |
| Optimistic (5%/mo) | 5.00% | ₹30,00,000 | 60.00% |
| Exceptional (8%/mo) | 8.00% | ₹18,75,000 | 96.00% |
Reality Check: Only ~1% of retail traders consistently earn 3.00%/month on capital. Professional hedge funds target 15–25% annually. Before leaving a job, ensure 24 months of expenses are secured, strategy is profitable across 200+ trades, and capital is not borrowed.
DETAILS
This section explains what the calculator does, what goes into the result, and how to interpret the output so you can apply it confidently.
This calculator turns a few key inputs into a clear output you can act on — a number that traders and investors commonly use for planning and decision-making.
Use it to compare scenarios quickly and to understand the trade-offs behind the final result.
Treat the output as a planning number. Small changes in inputs (time, rate, price, quantity, risk, or cashflows) can change the outcome meaningfully — so keep assumptions realistic.
If the tool returns multiple outputs, focus on the ones that drive decisions (e.g., net result, breakeven, or risk-adjusted value), not just the biggest number.
Target ₹1,50,000/mo, Expected return 3%/mo, Win rate 55%, Avg R:R 2
Graphical view
Target ₹1,00,000/mo, Expected return 2%/mo, Win rate 45%, Avg R:R 1.5
Graphical view
Small changes in monthly return assumptions massively change required capital (because it’s a division).
HOW IT WORKS
Input your current salary and the monthly income you want to earn from trading.
Enter the realistic monthly return % you consistently achieve on trading capital.
See the capital needed across 4 scenarios, strategy expectancy, and a reality check.
FAQ
Honest benchmarks: 1–2%/month is achieved by top retail traders. 3–5%/month is professional-level. Anything above 5%/month consistently is exceptional and extremely rare. Most retail traders lose money overall.
Only when: (1) you have 24 months of expenses saved outside trading capital, (2) your strategy shows profitability across 200+ trades over 12+ months, (3) you have replaced at least 50% of your salary through trading income consistently.
Expectancy = (Win Rate × Average Win) − (Loss Rate × Average Loss). Positive expectancy means your strategy is profitable over many trades. Even a 40% win rate can be profitable with 3:1 R:R — expectancy would be 0.6R per trade.
Never trade with borrowed money, loans, or capital you cannot afford to lose. Trading capital must be genuine risk capital — money whose loss would not impact your lifestyle or obligations.
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