Project daily growth with actual calendar dates, earning-day exclusions and cash flows. Expand each month in the schedule to see deposits, withdrawals, earnings, payouts and closing balances.
Choose a rate and a calendar
Select an annual nominal rate or a daily rate. An annual rate is divided by the chosen 365, 366 or 360-day divisor; an entered daily rate is applied directly. A daily percentage is not an annual percentage. For example, 0.1% daily and 0.1% annually produce very different results. The tool does not infer a trading calendar from the rate.
The start date earns the first day's return, and the end date is excluded. A one-day term therefore has one growth step. Duration mode first adds whole calendar years and months, clamping month-end dates, then adds extra days. Dates mode uses the exact number of days between the boundaries, including leap days. Projections are limited to 36,600 days.
Restrict earning days
Enter weekdays as numbers from Sunday 0 through Saturday 6. Monday through Friday is 1,2,3,4,5. Excluded dates override this selection. Supply your own holidays in YYYY-MM-DD form; this tool does not automatically apply US bank, stock-exchange or international holiday calendars. A non-earning day still appears in the schedule.
Cash-flow order and reinvestment
Recurring payments occur at the start of their calendar day: every day, every seven days from the start, or on monthly anniversaries. Monthly dates are always derived from the original start, so January 31 advances to February's last day and then March 31. Deposits are added before withdrawals, then earnings are calculated. Payments can occur on excluded earning days.
Positive earnings are split between reinvestment and cash paid out. At 80% reinvestment, 20% of each positive day's earnings leaves the account. Negative returns reduce the balance in full. Requested withdrawals are capped at available funds; the shortfall is reported separately, never financed. The ending balance excludes earnings paid out.
This is a constant-rate scenario, not a bank statement or a trading forecast. No tax, fees, leverage, changing rates or bank-specific posting rules are modeled. Display rounding does not change the daily calculation.
Formula
Daily rate = annual nominal rate / day divisor, or entered daily rate
Earnings = balance after cash flows × daily rate
Closing balance = balance + earnings − positive earnings paid out
Examples
Two days of full reinvestment
A balance of 1,000 at 1% per day becomes 1,010 after day one and 1,020.10 after day two. There are no deposits or withdrawals.
Half the earnings paid out
Starting at 1,000 with 1% daily growth and 50% reinvestment, day one pays out 5 and closes at 1,005. Day two pays out 5.025 and closes at 1,010.025. Total earnings are 20.05; payouts total 10.025.