What is 20% per month as an annual return?

Compounded, 20% per month is 792% a year. Interest is multiplied, not added, so the yearly figure is (1 + 20/100) raised to the power of 12, minus one.

How long would 20% per month take to double my money?

About 4 days. At a monthly rate that high the balance reaches a million dollars from a thousand in 38 days, which is why the number is only ever advertised, never audited.

Is 20% per month realistic?

No supervised product guarantees anything close. A monthly percentage is quoted because it sounds small, but 792% a year is far above an insured deposit, above a Treasury bill, and above the best long-run professional record. A fixed promise at that level has to be paid from someone else's deposit.

What does 20% per month actually compound to?

Taken at face value and multiplied out, 20% per month is 792% a year. That is about 198x what you would get from a three-month Treasury bill that pays around 4% and a government-insured deposit around 3.5%. The arithmetic below assumes every payment arrives on time, which is the assumption that fails in practice, not the compounding.

What this rate means

Mathematically impossible to sustain

Compounded, this turns a small deposit into more money than exists. Nobody has ever sustained it. The advertised number is bait.

Advertised rate 20% per month as promoters quote it

Compounded over a year 792% (1.2000) to the power of 12

Money doubles in 4 days at this rate, if it were real

$1,000 after one year $7.96e+31 no fees, no tax, no missed payment

Payout owed on $1,000 $200.00 a month for the promise to hold, forever

20% per month, by starting amount

Held for	$100 becomes	$1,000 becomes	$10,000 becomes
1 year	$891.61	$8.9K	$89.2K
3 years	$70.9K	$708.8K	$7.1M
5 years	$5.6M	$56.3M	$563.5M
10 years	$317.5B	$3.2T	$31.8T

Balance = principal x (1 + 20%) ^ periods, compounded every month.

20% per month against what is guaranteed

Reference levels: long-run approximations, October 2026. A multiple of "-" means the comparison does not apply.

Reference level	Rate	This rate in multiples
Insured bank deposit (US, FDIC)	3.5% a year (guaranteed)	226x
3-month US Treasury bill	4.0% a year (guaranteed)	198x
US inflation (consumer prices)	2.5% a year (not investable, measures erosion)	317x
S&P 500, long-run average	10.0% a year (not guaranteed to anyone)	79.2x
Best long-run professional record (Buffett, decades)	20.0% a year (not guaranteed to anyone)	39.6x

The red line

A guaranteed return higher than a Treasury bill or an insured deposit cannot exist. Every dollar paid above the risk-free rate is paid for with risk, leverage, or other people's deposits. A published promise of a fixed return above the risk-free rate is the definition of a return trap.

No published entry on this register currently quotes a rate in this range. The arithmetic above still applies to any offer that does.

Questions about 20% per month

What is 20% per month as an annual return?Compounded, 20% per month is 792% a year. Interest is multiplied, not added, so the yearly figure is (1 + 20/100) raised to the power of 12, minus one.
How long would 20% per month take to double my money?About 4 days. At a monthly rate that high the balance reaches a million dollars from a thousand in 38 days, which is why the number is only ever advertised, never audited.
Is 20% per month realistic?No supervised product guarantees anything close. A monthly percentage is quoted because it sounds small, but 792% a year is far above an insured deposit, above a Treasury bill, and above the best long-run professional record. A fixed promise at that level has to be paid from someone else's deposit.

Try your own numbers

Daily return calculator — your amount, your horizon.
Guaranteed return check — is any of this guaranteed?
Where the payout comes from — how many new depositors it takes.
Loss recovery — what one bad month costs.

All advertised rates · all calculators · the method and math.