Free Portfolio Performance Calculator
Track your investment success. Calculate true money-weighted returns and benchmark your portfolio performance against the market.
Portfolio value at start date
Current portfolio value
Total deposits minus total withdrawals
No results yet
Enter your portfolio details and click calculate to analyze your performance.
How to Use This Portfolio Performance Calculator
Get a clear picture of how your investments are performing in just a few steps. This tool handles the complex "money-weighted" return calculations for you.
- Enter Initial Value: The total value of your portfolio at the start date.
- Enter Final Value: The current value of your portfolio (or value at end date).
- Net Additions/Withdrawals: Calculate the total cash you added to the account minus any cash you withdrew during the period.
- Positive number = You added more money than you took out.
- Negative number = You withdrew more than you added.
- Select Timeframe: Choose the start and end dates for the analysis.
- Calculate: Click the button to see your True Return (MWRR approximation) compared to a market benchmark.
Why "Total Return" Matters More Than Just Profit
Simply looking at "Ending Value minus Starting Value" is misleading if you've added or withdrawn money.
For example, if you start with $10,000 and add another $10,000, having $21,000 at the end doesn't mean you made 110% profit. You actually made $1,000 profit on roughly $20,000 of capital. This calculator uses a Modified Dietz method to account for these cash flows, giving you a more accurate percentage return.
Understanding the Metrics
The geometric average amount of money earned by an investment each year over a given time period. It allows you to compare returns across different timeframes (e.g., 6 months vs 5 years).
The simple dollar amount your portfolio increased or decreased by, after accounting for your deposits and withdrawals. This is your actual "take home" profit.
FAQs
Why is my return different from my broker's?
Brokers may use "Time-Weighted Return" (TWR) which eliminates the effect of cash flows to show the manager's skill. This calculator uses a "Money-Weighted" approximation which reflects your personal internal rate of return (IRR) based on when you moved money.
What benchmark should I use?
Most US investors use the S&P 500 as a baseline. If you invest heavily in technology, the Nasdaq 100 might be a better comparison.
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Knowing Your Returns is Good.
Improving Them is Better.
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