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 only. Dividends are reinvested and are assumed tax-free in this simplified model, so the after-tax results are optimistic for taxable accounts. 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.
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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.
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