Withdrawal and profit planner
Profit only counts once it has left the broker. This works out how much to take out and how much to leave compounding.
How much to cash out each week so your profit is really yours — while the account still grows.
The green line is cash in your bank — it can never be lost on a trade. The dim line is what's still sitting in the account, at risk.
Pure compounding always looks bigger on paper — but only if you never have a bad month, and you never actually spend a cent. Withdrawing turns a screen number into real money.
| Wk | Profit | Withdraw | Secured | Balance |
|---|---|---|---|---|
| 1 | $24 | — | $0 | $224 |
| 2 | $26.88 | — | $0 | $250.88 |
| 3 | $30.11 | $10.54 | $10.54 | $270.45 |
| 4 | $32.45 | $11.36 | $21.9 | $291.54 |
| 5 | $34.99 | $12.24 | $34.14 | $314.28 |
| 6 | $37.71 | $13.2 | $47.34 | $338.8 |
| 7 | $40.66 | $14.23 | $61.57 | $365.22 |
| 8 | $43.83 | $15.34 | $76.91 | $393.71 |
| 9 | $47.25 | $16.54 | $93.45 | $424.42 |
| 10 | $50.93 | $17.83 | $111.27 | $457.53 |
| 11 | $54.9 | $19.22 | $130.49 | $493.21 |
| 12 | $59.19 | $20.71 | $151.2 | $531.68 |
| 13 | $63.8 | $22.33 | $173.53 | $573.16 |
| 14 | $68.78 | $24.07 | $197.61 | $617.86 |
| 15 | $74.14 | $25.95 | $223.56 | $666.05 |
| 16 | $79.93 | $27.97 | $251.53 | $718.01 |
| 17 | $86.16 | $30.16 | $281.69 | $774.01 |
| 18 | $92.88 | $32.51 | $314.19 | $834.38 |
| 19 | $100.13 | $35.04 | $349.24 | $899.47 |
| 20 | $107.94 | $37.78 | $387.02 | $969.62 |
| 21 | $116.35 | $40.72 | $427.74 | $1,045.26 |
| 22 | $125.43 | $43.9 | $471.64 | $1,126.79 |
| 23 | $135.21 | $47.32 | $518.97 | $1,214.67 |
| 24 | $145.76 | $51.02 | $569.98 | $1,309.42 |
| 25 | $157.13 | $55 | $624.98 | $1,411.55 |
| 26 | $169.39 | $59.29 | $684.26 | $1,521.66 |
What the withdrawal planner does
Traders who never withdraw eventually give it all back — one bad week undoes six good ones, and the account they were 'growing' returns to its starting balance. Traders who withdraw everything never build enough size to earn meaningfully.
The planner splits each period's profit between a withdrawal and a reinvestment, then projects both curves: how much cash you actually banked, and where the balance ends up. You can see the cost of a 50/50 split versus 30/70 over six months at a glance.
A common structure that works: withdraw nothing until the account has doubled from the initial deposit, then withdraw 30–50% of profit weekly, and always withdraw the original deposit once the account can support it.
The formula, explained
Reinvested = Profit × (1 − Withdraw%) · NewBalance = Balance + Reinvested
- Withdraw%
- — share of each period's profit taken out
- Banked
- — cumulative cash withdrawn — the only number that is truly yours
- Milestone rule
- — withdraw the original deposit once balance ≥ 2 × deposit
Withdrawing slows compounding, and that is the point. The optimum is not mathematical, it is behavioural — a plan where you feel paid is a plan you keep trading.
A real set of numbers
| Withdraw share | Balance after 12m | Cash withdrawn | Total value | Risk if account is lost |
|---|---|---|---|---|
| 0% | $2,675 | $0 | $2,675 | Lose everything |
| 25% | $1,982 | $494 | $2,476 | Keep $494 |
| 50% | $1,504 | $752 | $2,256 | Keep $752 |
| 75% | $1,168 | $876 | $2,044 | Keep $876 |
| 100% | $500 | $900 | $1,400 | Keep $900 |
Withdrawing half costs about 16% of total value over a year and converts $752 from screen numbers into money in your bank. For most traders that trade is worth making.
When to use it — and when not to
Use it when
- Your account has grown past double the original deposit.
- You need a rule so withdrawals are scheduled rather than emotional.
- You are deciding whether to withdraw profit or increase position size.
- You want to know when the original deposit can safely come out.
Don't rely on it when
- The account is below its starting balance — there is no profit to split.
- You have not checked the broker's minimum withdrawal and processing rules, which can make frequent small withdrawals impractical.
Withdrawal planner questions, answered
+How much of my trading profit should I withdraw?
A common rule is 30–50% of profit per month once the account has doubled. Enough to feel paid, little enough that the balance keeps compounding.
+When should I withdraw my original deposit?
As soon as the balance is roughly double the deposit. From that point you are trading on profit only, which changes your risk psychology completely.
+Does withdrawing hurt my growth?
Mathematically yes, behaviourally usually no. A plan that pays you is a plan you stick to, and consistency beats a slightly steeper theoretical curve.
+How often can I withdraw from a binary options broker?
It varies — most process withdrawals within 1–3 business days and set a minimum amount. Check your broker's terms; monthly withdrawals usually avoid fees and friction.
Put the numbers to work
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