01
36%
Of the Pro Active high case, 36% is money you paid in yourself. The other 64% is what time did.
GROWTH PROJECTOR
What patience compounds into.
A starting sum, a regular contribution, a horizon. This page runs the arithmetic on every North Stone account and on the pensions and index funds people compare against, then does what most calculators avoid: it shows the range, prints every assumption, and tells you how much of the result was your own money.
Projected results
Your inputs
1 year40 years
North Stone Trading tiers
Illustrative return assumptions set by the desk, not measured results. A CFD account has no fixed rate of return; outcomes depend on the trades you place and can include the loss of your capital. Minimums apply.
North Stone Savings paths
Indicative annual target ranges from each path's factsheet. They describe the arithmetic, not a guarantee. Minimums apply.
Compare with
Long-run historical averages, nominal, before fees. The past is a reference point, not a forecast.
Tap to add a line, tap again to focus it, tap a third time to remove it.
Rates are for planning the arithmetic. For a single trade, the trading calculators size it properly. Size a trade instead
Projected results
$10,000 now and $500 a month for 10 years: Pro Active lands between $142,024 and $192,599.
| Years | Pro Active | Ascent | S&P 500 index fund | UK workplace pension |
|---|---|---|---|---|
| 0 | $10,000 | $10,000 | $10,000 | $10,000 |
| 1 | $18,154 | $16,763 – $17,144 | $17,270 | $16,763 |
| 2 | $27,695 | $23,932 – $24,930 | $25,268 | $23,932 |
| 3 | $38,857 | $31,532 – $33,418 | $34,065 | $31,532 |
| 4 | $51,917 | $39,587 – $42,669 | $43,741 | $39,587 |
| 5 | $67,197 | $48,125 – $52,753 | $54,386 | $48,125 |
| 6 | $85,075 | $57,176 – $63,744 | $66,095 | $57,176 |
| 7 | $105,992 | $66,770 – $75,725 | $78,974 | $66,770 |
| 8 | $130,465 | $76,939 – $88,784 | $93,142 | $76,939 |
| 9 | $159,098 | $87,719 – $103,018 | $108,726 | $87,719 |
| 10 | $192,599 | $99,145 – $118,533 | $125,869 | $99,145 |
Pro Active
Illustrative 12–17% a year, not a measured returnFinal valueafter 10 years
Low case
$142,024
+$72,024+102.9% on what you put in
High case
$192,599
+$122,599+175.1% on what you put in
put in $70,000
Nominal figures. Switch the basis to see the effect of inflation or tax. Below this account's minimum of $30,000. The arithmetic still runs; the account would not open at this size.
This projector provides estimates based on illustrative assumptions and historical averages and is not financial advice. Trading CFDs is high risk: there is no rate of return on a trading account, results depend entirely on your trades, and you can lose more than the projected gain, including your capital. Actual outcomes will differ.
| Series | Final value | Gain |
|---|---|---|
| $142,024 · $192,599 | +102.9% · +175.1% | |
| $99,145 · $118,533 | +41.6% · +69.3% | |
| $125,869 | +79.8% | |
| $99,145 | +41.6% |
Two figures read low case · high case.
IN PLAIN WORDS
What the Pro Active line is actually saying.
Three facts the chart cannot say on its own, computed from the same model. High case, nominal, before fees.
02
+$274,937
5 more years would add this to the Pro Active high case. Time is the cheapest input on this page.
03
$150,458
The high case in today's money. At 2.5% inflation, 10 years of it removes 22% from the headline figure.
Assumptions, in the open
Every number on this page is derived from the figures below and nothing else.
Trading tiers
- Standard: illustrative 4–6% a year, from $199.
- Standard+: illustrative 6–9% a year, from $2,000.
- Pro Raw: illustrative 9–13% a year, from $10,000.
- Pro Active: illustrative 12–17% a year, from $30,000.
- Crest Black: illustrative 15–21% a year, from $100,000.
- Crest Onyx: illustrative 17–23% a year, from $300,000.
- Crest Obsidian: illustrative 19–26% a year, from $500,000.
- Crest Meridian: illustrative 21–29% a year, from $1,250,000.
Set by North Stone Capital for planning the arithmetic, mirroring the ladder used on our sister brand. They are not measured client returns and no trading account carries a rate of return.
Savings paths
- Foundation: target 4–6% a year, indicative, from $15,000.
- Ascent: target 6–9% a year, indicative, from $35,000.
- Horizon: target 8–11% a year, indicative, from $70,000.
- Apex: target 9–13% a year, indicative, from $100,000.
Steward and Legacy retirement vehicles are advisor-led and publish no rate, so they are not projected here.
Benchmarks
| Benchmark | Rate | Basis |
|---|---|---|
| S&P 500 index fund | 10% | S&P 500 total return, long-run average since 1957 (S&P Dow Jones Indices) (checked 2026-09) |
| Nasdaq-100 index fund | 12% | Nasdaq-100 total return, long-run average since 1985 (Nasdaq) (checked 2026-09) |
| UK workplace pension | 6% | UK workplace pension default funds, 10-year annualised, nominal (provider factsheets) (checked 2026-09) |
| EU occupational pension | 5% | Euro-area occupational pension funds, 15-year nominal average (OECD Pension Markets in Focus) (checked 2026-09) |
| Australian super (balanced) | 7.5% | Australian superannuation balanced options, 10-year annualised (APRA / Chant West) (checked 2026-09) |
| Singapore CPF | 4% | Singapore CPF Special Account floor rate (Ordinary Account pays 2.5%) (CPF Board) (checked 2026-09) |
| US 401(k) / IRA (balanced) | 7% | US 401(k) / IRA in a balanced 60/40 fund, long-run nominal average (Vanguard How America Saves) (checked 2026-09) |
Model: monthly compounding at the annual rate shown; each contribution lands at the end of its period and compounds from there; values are sampled at year end. Inflation adjustment divides every year by (1 + inflation) to the power of the year. The after-tax view taxes gains once, at withdrawal, and never taxes contributions. Fees, currency moves and sequence risk are not modelled.
This projector shows how the arithmetic works. It is not a forecast, a recommendation or financial advice. Savings-path ranges are indicative targets and can be missed in either direction, including a loss of capital. Benchmark returns are historical averages before fees and taxes; the future will not repeat them exactly. Capital is at risk.