What did your money earn? Yearly, deposits counted.
Free annualized return calculator: add each deposit and withdrawal with its date and today's value to get your yearly money-weighted return (XIRR).
Your result
- Money in
- 15,000
- Money out
- 0
- Value on the final date
- 19,500
- Total gain
- Gain: 4,500
- Total return
- Gain: 30.00%
- Yearly return (XIRR)
- Gain: 8.86%
Add each deposit and withdrawal with its date, then what the investment is worth on a later date. The calculator gives the total gain, the total return and, from a year of history, the yearly rate.
Why deposits and dates matter
A total return treats every dollar as if it had been invested from day one. If you added most of the money late, spreading the total over all the years understates what the money did. The money-weighted return, also called XIRR, counts each amount for the time it was actually invested.
When a yearly rate is shown
Under a year of history, a yearly rate is a guess dressed as a fact: nine days at 1% would turn into an enormous number. So under a year the calculator shows the total return only, the same rule the FortuneOK dashboard follows.
- Money in is a deposit or a purchase. Money out is a withdrawal or a sale.
- Dividends you took out count as money out. Dividends reinvested are already in the value.
- Fees are part of what you paid or received, so use the amounts after fees.
A planning aid, not financial advice. The dashboard works this out for every holding and for your whole portfolio, with time-weighted return beside it.