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Pain Index

Calculate Pain Index instantly with the exact formula and a worked example.

Pain Index

Return, month 1%
Return, month 2%
Return, month 3%
Return, month 4%
Return, month 5%
Return, month 6%
Return, month 7%
Return, month 8%
Return, month 9%
Return, month 10%
Return, month 11%
Return, month 12%
Pain Index
1.6559%
Calculate Pain Index instantly with the exact formula and a worked example.
Maximum drawdown
5.92%
Ulcer Index
2.56%
12-month return
7.53%
Pain Ratio (return / Pain Index)
4.55

More about: Pain Index

What it calculates

The “Pain Index” calculator computes Pain Index in % from 12 parameters: return, month 1 (%), return, month 2 (%), return, month 3 (%), return, month 4 (%), return, month 5 (%), return, month 6 (%), return, month 7 (%), return, month 8 (%), return, month 9 (%), return, month 10 (%), return, month 11 (%), return, month 12 (%).

Used by investors to estimate returns, project savings, and analyze a portfolio.

Example calculation

With parameters Return, month 1 = 3 %, Return, month 2 = -2 %, Return, month 3 = -4 %, Return, month 4 = 5 %, Return, month 5 = 1 %, Return, month 6 = -3 %, Return, month 7 = 2 %, Return, month 8 = 4 %, Return, month 9 = -1 %, Return, month 10 = 2 %, Return, month 11 = -5 %, Return, month 12 = 6 % the result is 1.66 %.

How to use

  1. Enter return, month 1, return, month 2, return, month 3, return, month 4, return, month 5, return, month 6, return, month 7, return, month 8, return, month 9, return, month 10, return, month 11 and return, month 12 — each field above is adjustable with a slider.
  2. Pain Index (%) is calculated automatically as you type.
  3. Check the worked example below to see the formula applied to real numbers.
  4. Copy the result or bookmark this calculator.

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FAQ

What is compound interest?
Compound interest means you earn returns not only on your original principal but also on previously earned interest. Formula: A = P · (1 + r/n)^(n·t). Over long periods this produces exponential growth.
How much do regular contributions matter?
A lot. Adding a fixed amount every month and reinvesting earnings dramatically increases the final value, especially over 20–30 years, because each contribution compounds for the remaining term.
What is the Rule of 72?
A quick estimate for doubling time: years ≈ 72 / annual return %. At 8% your money doubles in about 9 years; at 12%, in about 6 years.
What return rate should I assume?
Historically the S&P 500 has returned about 10% per year before inflation (around 7% after). Use a conservative figure for planning and remember that past performance does not guarantee future results.

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