YTD Return Calculator

This works out a year-to-date return on an account that money has gone into or out of. Enter the balance at the start of the year, the balance now and the contributions and withdrawals since, and it returns three figures: the simple percentage change, the gain with your own money stripped out, and the money-weighted return by Modified Dietz, which divides the gain by the capital that was actually invested rather than by the starting balance. A second tab takes the dates the money moved and weights each flow by the share of the period it was invested for, which matters when a lump arrived late in the year. All of these are money-weighted measures and answer what your money earned; the time-weighted return a fund publishes needs the portfolio valued on every day money moved, which a statement does not carry.

Calculator Type

Use this when you know how much went in and out but not exactly when. The flows are treated as evenly spread, which is the standard assumption.

Balance at the Start of the Year ($) *

Balance Now ($) *

Total Paid In This Year ($)

Deposits and contributions. Not dividends or interest earned inside the account, which are return, not a flow.

Total Taken Out This Year ($)

Enter it as a positive number. Cash swept out of the account counts; a dividend reinvested inside it does not.

Months Elapsed So Far

Only used to work out the annualised figure. The year-to-date returns do not depend on it.

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