---
title: 'The Small Account Spreadsheet: Start With Any Balance!'
source: 'https://youtube.com/watch?v=XPuYUg025IY'
video_id: 'XPuYUg025IY'
date: 2026-07-29
duration_sec: 150
---

# The Small Account Spreadsheet: Start With Any Balance!

> Source: [The Small Account Spreadsheet: Start With Any Balance!](https://youtube.com/watch?v=XPuYUg025IY)

## Summary

In this video, the presenter introduces a new spreadsheet designed to help traders grow a small Forex account through compounding and disciplined risk management, starting with as little as $20. The spreadsheet allows customization of starting balance, risk percentage, risk-to-reward ratio, and stop-loss in pips, making it applicable to different trading styles.

### Key Points

- **New Spreadsheet for Small Accounts** [00:00] — The presenter addresses complaints about the lack of modularity in the previous spreadsheet and introduces a new version uploaded minutes ago. The concept is to grow a $20 account to $52,000 after 30 winning trades by compounding 30% profit per trade.
- **Compounding Mechanics** [00:27] — With a $20 starting balance, each trade aims for a 30% gain ($6 profit), resulting in a new balance of $26. This process repeats, and losing trades require going back one level with a small extra allowance.
- **Customizable Parameters** [00:57] — Four boxes on the left allow users to start with any balance over $20, adjust risk percentage (e.g., 1% for conservative trading), set risk-to-reward ratio (e.g., 1:2), and specify stop-loss in pips (e.g., 10 pips).
- **Conservative Example** [01:13] — Starting with $100 and risking 1% per trade with a 1:2 risk-to-reward ratio and 10-pip stop-loss, after 30 successful trades the account would grow to $181, demonstrating traditional healthy risk management.
- **Higher Risk Example** [01:46] — With a 10% risk per trade and 1:2 reward ratio, a $100 starting balance could grow to $23,000 after 30 wins, using the same 10-pip stop-loss. The spreadsheet automatically calculates levels.
- **Download Instructions** [02:13] — The new challenge spreadsheet can be downloaded from tmafx.com by clicking the 20-pip challenge file icon (third icon down). Users can adjust the four side boxes as needed.

### Conclusion

The spreadsheet provides a flexible tool for traders to simulate and execute a compounding strategy with customizable risk parameters, turning small starting capital into significant gains over 30 winning trades.

## Transcript

In two minutes or less, I'm going to show you how  to grow a small Forex account starting with just   20 bucks. You've probably seen this spreadsheet  before, and I've gotten a lot of complaints about   the lack of modularity here. So, I made a new  spreadsheet for you. I just uploaded it 5 minutes  
ago. The whole concept of the spreadsheet is  being able to take $20 and using compounding   and never withdrawing from the account. Using  compounding after 30 successful trades, like  
30 winning trades, you will get it to $52,000.  Basically, whatever your starting balance is,   you're trying to gain 30% on the trade. So, for  20 bucks, the profit goal is six bucks and then   your ending balance is 26. This information gets  taken to the next level and you do it over and  
over and over again. And when you have a losing  trade, you basically just go back a level with   a little extra. Now, before it was just a static  spreadsheet, but now I've added these four boxes   to the left right here. So now you can start with  any balance that you want that's over 20 bucks.  
Cuz if it's less than 20 bucks, you won't be able  to actually execute the first trade. So now, let's   say you want to start with a 100 bucks, but you  want to do less risk. You don't want to risk 15%   per trade. Let's say you want to do traditional  trading and you want to risk 1% per trade. And  
let's say you're looking for a 1:2 risk-to-reward  ratio, and you still want a stop-loss of around 10   pips, looking for a 20 pip takeprofit. Now, after  30 successful trades, you'll have $181. And that's   traditional, good, healthy risk management. And  you can use this and mark each completed level,  
put notes of winning or losing trades. You can  grab the screenshot URL from Trading View and   put it in here. But the whole goal of this is  to allow you to be able to leverage a small   amount of money and grow it into something more  substantial. If you just bump up the risk to  
10% and keep the risk multiplier at a 1:2. So for  the first trade you're risking 10% which is $10,   you're expecting a 1:2 risk-to-reward ratio.  So you're expecting 20 bucks as the win. Still  
using 10 pips as your stop-loss. You can  now see that this is a more manageable,   reasonable expectation. taking a h 100red bucks  to 23,000. And you don't have to adjust anything   on this spreadsheet anymore. It's just these  four boxes on the side. So if you want the  
new challenge spreadsheet, go to tmafx.com.  On there, the third icon down will be the 20   pip challenge file. Just click that and it'll  download onto your desktop and you can adjust  
it however you please. Thanks so much for  watching and we will see you in the next