Portfolio/Investment Returns Calculator

IRR (Internal Rate of Return) is a professional-grade metric that measures your actual investment performance by accounting for the timing and size of all your cash flows. Unlike simple return calculations, IRR gives you an accurate annualized return that reflects when you bought and sold positions.

Most free calculators only show simple returns which can be misleading if you've made multiple purchases over time. IRR is the same metric used by institutional investors, private equity firms, and financial advisors to evaluate investment performance.

IRR (Internal Rate of Return) measures your personal return including the impact of when you added or withdrew money. It answers: "How well did MY investment decisions perform?"

TWR (Time-Weighted Return) removes the impact of cash flow timing and measures pure investment performance. It answers: "How well did the underlying investments perform?"

Use IRR when evaluating your own investment decisions. Use TWR when comparing against benchmarks or other investors, since it removes the timing advantage or disadvantage of your contributions.

Our calculator automatically fetches historical dividend data for your holdings and includes them in your performance calculations. Dividends are treated as cash inflows that boost your total return.

Many simple calculators ignore dividends entirely, which can significantly understate your actual returns—especially for dividend-paying stocks held over long periods. Our approach gives you a complete picture of your investment performance.

Our calculator automatically displays your portfolio performance alongside the S&P 500 benchmark on an interactive chart. This lets you see at a glance whether your investment choices have outperformed or underperformed the broader market.

The comparison uses the same time period as your investments, starting from your first transaction. This gives you a fair "apples to apples" comparison of what your money would have done in an index fund versus your actual holdings.

Max Drawdown measures the largest peak-to-trough decline in your portfolio's value. It shows the worst loss you would have experienced if you bought at the highest point and sold at the lowest point.

This risk metric helps you understand the volatility of your portfolio. A high return with a 50% max drawdown means you would have seen your portfolio cut in half at some point—important context when evaluating performance.

Yes. Your transaction data is stored locally in your browser using localStorage, so you don't need to create an account. While transactions are sent to our server to calculate performance metrics, we do not log or store your portfolio data.

The tradeoff of local storage is that your data won't sync across devices and will be lost if you clear your browser data.

Most free calculators offer only basic features. Our calculator provides professional-grade analytics typically reserved for paid services:

• True IRR calculation — Not just simple or average returns
• Automatic dividend inclusion — Complete return picture
• S&P 500 benchmark comparison — Visual performance chart
• Max Drawdown tracking — Professional risk metrics
• Tax lot tracking — Accurate cost basis per position
• No account required — Privacy-first, data stays local

Yes. You can add as many holdings as you like, each with multiple buy and sell transactions. The calculator aggregates all your positions to show your total portfolio performance.

Each holding is tracked as a separate tax lot, giving you accurate cost basis information and per-position performance metrics. Click on any holding to see detailed transaction history and individual returns.