Investment Return Calculator
How much did you gain or lose after costs, contributions, income, and final value? Measure all-in portfolio performance, cash distribution returns, and the exact drag of management fees.
Cash Flow & Portfolio Inputs
Portfolio Return Outcomes
Calculation Transparency: Total Investment Performance
Net Profit = (Ending Value + Cash Distributions) - (Initial Capital + Contributions + Fees)- Values represent straightforward mathematical calculations based exclusively on the parameters entered above.
- Excludes individual income tax, capital gains taxes, transaction slippage, and local filing requirements unless entered in fees.
- Does not adjust for purchasing-power erosion (inflation) or risk-adjusted hurdle rates.
- Accounts for the total cash inflows and outflows rather than assuming a single static lump sum.
- For precise dollar-weighted internal rate of return (IRR), irregular contribution timing must be tracked separately.
Accounting for Real-World Portfolio Cash Flows
The Complete Cash Flow Model
Traditional calculators treat investments as a single static deposit with a single liquidation date. Real portfolios experience cash additions, dividend reinvestments or payouts, and recurring fee deductions:
By evaluating both capital inflows and outflows, this calculator provides an unvarnished audit of whether your net capital expanded or contracted.
The Silent Drag of Advisory & Fund Fees
A 1% annual fee sounds minor, but fees are assessed against your total asset balance regardless of whether the market gained or lost money. Over 20 years, fees can absorb tens of thousands of dollars in compound growth.
Learn more about fee minimization in our guide: How Fees Affect Investment Returns.