Returns
Portfolio Return Calculator
Measure total portfolio return after accounting for contributions and withdrawals.
Global calculator · Select the currency used for your inputs. No exchange-rate conversion is applied.
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Portfolio Return Calculator formula
The calculator adjusts the change in portfolio value for contributions and withdrawals before comparing the investment gain with contributed capital.
How to interpret the result
This simple return can summarize one period, but cash-flow timing can materially affect investor experience. Use XIRR when dated flows matter.
Worked example
A portfolio ending at 13,500 after starting at 10,000 and adding 2,000 earned 1,500, or 12.5%.
How to use this calculator
- Enter values from the same transaction or scenario.
- Confirm that quantities, dates, rates and currency match the labels.
- Review the result and change one assumption at a time when comparing scenarios.
Common mistakes
- Counting contributions as investment gain.
- Ignoring withdrawals.
- Comparing the result with a money-weighted return as if both measure the same thing.
Limitations
The formula does not weight cash flows by date and excludes fees, tax and currency effects unless already reflected in the values.
Compare absolute return, CAGR and XIRR →
This calculator is for general education and estimation only. It is not financial, tax, accounting, or investment advice.
Questions to check before relying on the result
What does this calculator include?
Measure total portfolio return after accounting for contributions and withdrawals.
Which assumptions should I verify?
Check every entered amount, rate, date and charge against the transaction, official source or provider document relevant to you.
What can make the actual outcome different?
The formula does not weight cash flows by date and excludes fees, tax and currency effects unless already reflected in the values.
Does the selected currency convert my values?
No. Currency selection changes formatting only; it does not fetch or apply an exchange rate.