Risk of Ruin Calculator

Know the odds before you overtrade. Enter your system parameters to find out the probability of hitting a catastrophic drawdown — and what you can do to reduce it.

Learn: What is Risk of Ruin? →

Your System Parameters

Use at least 50 closed trades for a reliable estimate.

Percentage of trades that end as winners (0–100)

Average profit on winning trades as a multiple of risk (e.g. 2 = 2R winner)

Average loss on losing trades as a positive R-multiple (1 = you lose exactly your planned risk)

Percentage of account balance risked on each trade

The drawdown threshold you consider "ruin" — typically 20–30%

Your Risk of Ruin

Probability of ruin 0.0%
Risk level
Low Risk

There is approximately a 0.0% chance of hitting a 20% drawdown before recovering, given your current parameters.

Set drawdown circuit breakers in Tracktions

Do this automatically in Tracktions

Set drawdown circuit breakers in Tracktions Risk Console

Formula

RoR = ((1 − edge) ÷ (1 + edge)) ^ (drawdown limit ÷ risk per trade)
where edge = expectancy ÷ average trade size

Edge measures how much of each average trade comes from the trader's skill versus luck. A positive edge (> 0) means the system is profitable on average. Drawdown limit ÷ risk per trade gives the number of consecutive maximum losses before ruin — the exponent that makes position sizing so powerful. A lower risk per trade raises this exponent and dramatically reduces RoR even when edge is modest.

Worked Example

Typical retail system at 1% risk

Inputs

Win Rate
45%
Average Win
2R
Average Loss
1R
Risk per Trade
1%
Drawdown Limit
20%

Outputs

Expectancy
+0.35R
Edge
0.26
Risk of Ruin
~3.2%
Risk Level
Low Risk

With a positive edge and only 1% risk per trade, this system has approximately a 3.2% chance of hitting a 20% drawdown before recovering. Increasing risk to 2% per trade raises RoR to ~10%.

Common Mistakes

  • Calculating RoR without accounting for a realistic drawdown limit — treating "ruin" as 100% loss when most traders would stop trading at 25–30%.
  • Risking 5%+ per trade and being surprised by high RoR — small increases in risk per trade cause exponential increases in ruin probability.
  • Having a positive expectancy but still facing high RoR due to outsized position sizes.
  • Ignoring RoR entirely until experiencing a severe drawdown.
  • Using RoR from a too-small trade sample — expectancy calculated on fewer than 50 trades is unstable.

Frequently Asked Questions

What is risk of ruin? +

Risk of ruin is the probability that your account will fall below a defined threshold before recovering. For most traders, this means a drawdown large enough that they stop trading — typically 20–30% of starting capital.

What RoR is acceptable? +

Most professional traders target a RoR below 5% and ideally below 1%. Above 10% is considered high. Above 25% means there is a one-in-four chance of hitting your ruin threshold — most traders would not accept those odds.

How do I reduce my RoR? +

The most powerful lever is reducing risk per trade. Cutting from 2% to 1% per trade typically reduces RoR dramatically because the exponent in the formula is risk-sensitive. You can also improve your system's expectancy — higher edge means the formula's base term shrinks.

Does Tracktions help manage risk of ruin? +

Yes — Tracktions' Risk Console lets you set circuit breakers that automatically alert you when your drawdown approaches your limit. This acts as a real-time safeguard against hitting ruin conditions.

Educational tool only. Tracktions is a trade-journaling and analytics tool, not investment advice — we are not SEBI-registered advisers and do not provide trade recommendations or assurances of returns. Every result is based solely on the numbers you enter; confirm your historical data before drawing conclusions.