Trading Money Management Plan Calculator
Good money management answers four questions before you trade: how much to put on each trade, when to stop after losses, when to stop after profits, and what win rate you need to make money at all. This calculator answers all four for your balance and payout.
Amount per trade
20
2% of capital
Profit on a win
+16
Break-even win rate
55.56%
Below this you lose money over time
Stop for the day at a loss of
-100
Losing trades until that stop
5
Daily target
+50
4 net wins needed
- Trade 20 per trade. Do not raise it after a loss.
- If you are down 100 today, stop trading until tomorrow.
- If you are up 50, stop and keep the profit.
- Track your real win rate. It must stay above 55.56% to make money.
Free, no login. Nothing you type is saved. Results are for planning only, not financial advice.
What is trading money management?
Money management is the set of rules that decide how much you risk, not what you trade. Two traders with the same win rate can get very different results just because one risks 2% per trade and the other risks 20%.
A simple plan has a fixed risk per trade, a daily loss limit, a daily target and a record of every trade. The plan is written before the trading day starts, when you are calm, and you follow it during the day.
How to use the calculator
- Enter your capital.
- Enter the risk per trade in %. 1–2% is a common choice.
- Enter the payout % of your platform.
- Enter your daily loss limit in % (for example 10).
- Enter your daily target in % (for example 5).
- Read your plan: amount per trade, profit per win, the loss at which you stop, how many losing trades that allows, your target and the break-even win rate.
Worked example
Capital 1,000, risk 2% per trade, payout 80%, daily loss limit 10%, daily target 5%.
Each trade is 20. A win pays 16. You stop for the day at −100, which is 5 losing trades. Your target is +50, which needs about 4 net wins. With an 80% payout, your break-even win rate is 55.56%: below that, you lose money over time no matter how careful the sizing is.
| Plan item | Result |
|---|---|
| Amount per trade | 20 (2% of 1,000) |
| Profit on a win | +16 |
| Stop for the day at | −100 (after 5 losses) |
| Daily target | +50 (about 4 net wins) |
| Break-even win rate | 55.56% |
Why a daily loss limit matters
Most big losses do not come from one trade. They come from a bad day where the trader keeps going to win the money back. A daily loss limit stops that. When you reach it, the day is over, whatever you feel.
In the RiskQuo app this limit is enforced for you: when it is reached, trading is locked for a cooling-off period so you cannot talk yourself into one more trade.
Common money management mistakes
- Changing the trade size in the middle of the day after a loss.
- Setting a daily target and then continuing after reaching it.
- Not knowing your real win rate, so the plan is built on hope.
- Using a loss limit that is bigger than you can emotionally accept.
- Risking more because the account is "only small". Small accounts need the same rules.
How to review your plan every week
A plan is only useful if you check it against real results. Once a week, count your trades, your wins and your losses, and work out your real win rate. Compare it with the break-even win rate the calculator shows for your payout.
If your win rate is clearly above break-even, keep the same risk per trade and let the balance grow slowly. If it is close to break-even, lower the risk per trade, because small mistakes will decide the result. If it is below break-even, stop increasing anything: trade the smallest size, or practise on a demo account until the numbers improve.
Also look at how many days hit the daily loss limit. If it happens often, your limit is fine but your trading needs work — do not raise the limit to make the problem go away.
Simple rules to start with
Risk 1–2% per trade. Stop at a 10% daily loss. Stop at your daily target. Record every trade and check your win rate each week against your break-even rate. If you are below break-even, trade smaller or pause and practise — do not trade bigger.
Frequently asked questions
What is the best money management rule for beginners?
Risk 1–2% of your balance per trade and set a daily loss limit. These two rules protect you from the most common ways accounts are lost.
How do I calculate my break-even win rate?
Break-even win rate = 1 ÷ (1 + payout). At 80% payout it is 55.56%.
How big should my daily loss limit be?
Many traders use 5–10% of the starting balance. Choose a number you can accept without chasing losses.
Should I stop after reaching my daily target?
Yes. Giving back profits after a good start is one of the most common mistakes.
Does money management work for forex too?
Yes. The same ideas apply. For forex, use the position size calculator to turn your risk % into a lot size.
Is this calculator free?
Yes, free and without login.
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Want these rules enforced for you?
The RiskQuo app suggests a trade amount, tracks every trade and locks trading when your daily loss limit is reached.
Try the RiskQuo app free