Crypto Returns Calculator

Most crypto returns calculators assume a fixed annual return and call it a day. That's not how this asset class works. Crypto returns are non-linear, regime-dependent, and asymmetric — so a single “average” number is misleading.

This calculator uses three scenarios per tier: a bear case (the system is wrong about market regime), a base case (ordinary participation under the selected risk profile), and a bull case (a strong cycle where the convex framework captures part of the move). Each scenario applies an illustrative annual assumption over your chosen time horizon, then deducts the subscription cost in dollars over that period.

These assumptions are not targets, guarantees, or forecasts. They are stress-test inputs for comparing subscription cost, time horizon, and volatility tolerance. Crypto can lose value rapidly; use this as a planning tool, not a promise.

One observation that surprises a lot of new users: doubling your starting investment changes your end balance linearly, but moving from Conservative to Multi-X changes it exponentially. Tier choice is a multiplicative decision, not an additive one.

The other side of that coin: Multi-X drawdowns are larger and more frequent. If you're going to be checking your balance every week, Multi-X will likely make you sell at the wrong time. Conservative is calibrated to be quietly held through the noise. Most users discover this the hard way — you're welcome to learn it from a calculator instead.

This is not a guarantee. It is not investment advice. It is not a forecast. It is a planning tool that applies your own custom scenario assumption, subscription cost, and stress drawdown inputs to a starting investment, so you can inspect illustrative outcomes without treating them as targets.

Crypto can lose 80% of its value in a year. It has done so multiple times in the last decade. Our system caps that downside through hard stop-losses and concentration limits, but it cannot eliminate it. Anyone who promises you guaranteed returns in this asset class is either a fool or a fraud — possibly both.

What we can promise is that every trade is spot, every coin is halal-screened daily, and your funds never leave your own connected exchange account. The rest is the market.