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.
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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