Portfolio Return Calculator
Measure your investment success. Calculate simple returns, weighted multi-asset ROI, and CAGR performance over any period.
Return Analytics
Total Wealth Performance
Performance Audit
Enter your investment data to generate a detailed ROI and annualized CAGR report.
Analyzing Portfolio Returns: Total Wealth Performance
Successful investing is about more than just picking winners; it's about understanding your Total Portfolio Return. This calculator helps you see the "Big Picture" of your net wealth growth across multiple assets like UK shares, bonds, and cash.
Simple Return
The most basic way to measure growth. If you start with £10,000 and end with £11,500, you have a 15% return. Perfect for checking performance over a single year.
CAGR (Compounded Annual Growth)
When investing for 3, 5, or 10 years, simple average returns can be misleading. CAGR gives you the 'smoothed' annual growth rate needed to get from your start to your end value.
The Weighted Return Secret
If 80% of your money is in a "Safe" bond yielding 3% and 20% is in a "Growth" stock yielding 15%, your return isn't the average (9%). It's the Weighted Return:
(0.80 × 3%) + (0.20 × 15%) = 5.4%What's a Good Return?
Historically, the FTSE 100 has returned roughly 5-7% annually (including dividends) over long periods. If your portfolio is outperforming this after fees and taxes, your strategy is effectively beating the "market average".