How far could a halal portfolio go?
Choose tier
Bear scenario
$3772
-$1228 (-8%/yr)
Starting from $5000 · net of subscription
Base case
$5272
+$272 (22%/yr)
Starting from $5000 · net of subscription
Bull scenario
$6422
+$1422 (45%/yr)
Starting from $5000 · net of subscription
Calculations use historical halal-screened tier ranges. Crypto returns are non-linear and not guaranteed. This is a planning tool, not investment advice. All trades are spot only — your funds never leave your connected exchange account.
Most crypto returns calculators assume a fixed annual return and call it a day. That's not how this asset class works. Crypto returns are non-linear, regime-dependent, and asymmetric — so a single “ average” number is misleading.
This calculator uses three scenarios per tier: a bear case (the system is wrong about market regime), a base case (returns roughly in line with the published risk notes), and a bull case (a strong cycle plays out and the convex framework captures the move). Each scenario compounds your starting investment at the corresponding annual rate over your chosen time horizon, then deducts the subscription cost in dollars over that period.
The tier ranges come from our published risk notes. They are not guarantees — past performance does not predict future returns, and crypto can lose value rapidly. Use this as a planning tool, not a forecast.
One observation that surprises a lot of new users: doubling your starting investment changes your end balance linearly, but moving from Conservative to Multi-X changes it exponentially. Tier choice is a multiplicative decision, not an additive one.
The other side of that coin: Multi-X drawdowns are larger and more frequent; If you're going to be checking your balance every week, Multi-X will likely make you sell at the wrong time. Conservative is calibrated to be quietly held through the noise. Most users discover this the hard way — you're welcome to learn it from a calculator instead.
conservative scenario base case
Designed for capital preservation with steady upside. Best for users who can't tolerate large drawdowns or who are deploying meaningful capital they need to keep.
moderate scenario base case
Balanced engine, full halal top-20 universe. Best for users who can hold through 2–4 week drawdown periods and want compound growth.
high-volatility scenario base case
Pre-rocket signal stack on extended halal universe. Best for users who can hold through episodic 25%+ drawdowns and are aiming for asymmetric multi-X moves.
This is not a guarantee; It is not investment advice. It is not a forecast. It is a planning tool that takes the published tier risk notes and applies them to a starting investment with a time horizon, so you can see what illustrative scenario bands look like.
Crypto can lose 80% of its value in a year; It has done so multiple times in the last decade. Our system caps that downside through hard stop-losses and concentration limits, but it cannot eliminate it. Anyone who promises you guaranteed returns in this asset class is either a fool or a fraud — possibly both.
What we can promise is that every trade is spot, every coin is halal-screened daily, and your funds never leave your connected exchange account. The rest is the market.
They are the published scenario notes from our tier definitions. The base case sits roughly at the midpoint of the published range. The bear case reflects regime mismatches we’ ve observed historically. The bull case reflects strong-cycle behaviour with convex sizing.
Because that’ s honest. Many calculators ignore fees. Yours doesn’ t. The subscription is a flat monthly fee, not a percentage of assets, so the impact diminishes as your portfolio grows.
Yes. Even with hard stop-losses and a blue-chip universe, a sustained bear market can produce a negative outcome over short periods. The bear scenario in this calculator reflects that reality.
Beyond 10 years, compounding assumptions stop being meaningful in crypto — the asset class itself is younger than that, and tier methodologies will evolve. We don’ t want to imply we know what 20 years looks like, because nobody does.
Yes — run the calculator once per tier with the slice of capital you’ d allocate to each, then sum the outcomes. Splitting capital across tiers is a common approach.
The bot trades the same halal universe this calculator projects. Spot only, on your connected exchange account.
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These tools tell you what's halal. The HalalCrypto bot trades it automatically — spot only, on your connected exchange account, with funds that never leave your control.
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