How much extra do I need to earn just to break even if I borrow money to fund my trading account?

How this is calculated

• This uses a standard amortized loan calculation with equal monthly payments, the same math used for auto loans and personal loans.
• A credit card cash advance often carries a higher APR than the card's purchase APR, plus a separate cash advance fee charged up front. Add that fee to your total cost by hand if it applies to you.
• The break-even return is what you'd need to earn on the borrowed capital, on top of your actual trading results, just to cover the cost of borrowing it.
• Borrowing to fund an account adds a fixed cost that exists whether you win or lose. Compare this cost against a realistic estimate of your trading edge before funding an account this way.
• This tool does not account for variable interest rates, prepayment penalties, or promotional 0% periods that later reset to a higher rate. Check your loan or card terms for those details.