Stock Portfolio Return Calculator
How is your stock portfolio performing? This calculator factors in contributions, dividends, capital gains, and taxes to show your real after-tax return.
Stock Portfolio Return Calculator
Compare pre tax and after tax portfolio growth
Assumes taxes are paid annually on capital gains. Dividends are reinvested. Actual tax treatment depends on holding period, income level, and account type (taxable vs. tax advantaged). Long-term capital gains rates apply for holdings over 1 year.
Frequently Asked Questions
How do I calculate my stock portfolio return?+
Simple return = (Current value − Cost basis) ÷ Cost basis × 100. For total return, add dividends: (Price gain + Dividends) ÷ Investment. Annualized return uses CAGR formula. This calculator handles all the math and shows after-tax returns.
What is a good stock portfolio return?+
The S&P 500 averages 10-11% annually over long periods. If you're matching the market with index funds, you're doing well. Beating the market consistently is extremely rare — even professional fund managers fail to do it. Target 7-10% after inflation.
How do taxes affect my stock returns?+
Long-term capital gains (held >1 year): 0-20% depending on income. Short-term gains: taxed as ordinary income (10-37%). Dividends: qualified (0-20%) or ordinary (10-37%). Tax-loss harvesting and holding period management can save thousands annually.
How do I calculate my stock portfolio return?
Simple return = (Current value − Cost basis) ÷ Cost basis × 100. For total return, add dividends: (Price gain + Dividends) ÷ Investment. Annualized return uses CAGR formula. This calculator handles all the math and shows after-tax returns.