Portfolio Return Calculator
The weighted return of a whole portfolio, with each holding's weight, its contribution, and how concentrated the whole thing is.
Results
What this tool does
A portfolio's return is not the average of its parts — it is the average weighted by how much money sits in each, which is a very different number when the positions are uneven. A small holding that doubled moves the total far less than it feels like it should. List what you hold and what each one returned, and this page gives the blended figure along with the arithmetic behind it: each position's weight, what it actually contributed, and an index of how much of your money is riding on one line.
Formula
portfolio return = Σ(weight × return) , weight = holding value ÷ total value
Variables
| Symbol | Meaning | Unit |
|---|---|---|
holdings | The holdings | — |
PR | Portfolio return | % |
TB | Name · value · weight % · return % · contribution | — |
TV | Total value | — |
GN | Gain in money | — |
EV | Value at the end | — |
NH | Holdings | — |
LG | Biggest holding | — |
LW | What it weighs | % |
HH | Concentration index | — |
EH | Effective number of holdings | — |
PB | Portfolio beta | — |
HB | Was a beta given for every holding? | — |
Worked example
- The holdingsGlobal shares = 24000, 9.4 Bonds = 12000, 2.1 Property fund = 8000, 5.6 Cash = 6000, 1.5
- Portfolio return6.0920 %
- Name · value · weight % · return % · contributionGlobal shares 24000 48 9.40 4.51 Bonds 12000 24 2.10 0.50 Property fund 8000 16 5.60 0.90 Cash 6000 12 1.50 0.18
- Total value50,000.00
- Gain in money3046.00
- Value at the end53,046.00
- Holdings4
- Biggest holdingGlobal shares
- What it weighs48.00 %
- Concentration index0.3280
- Effective number of holdings3.05
- Portfolio beta0.0000
- Was a beta given for every holding?No
Limitations
- This is an informational calculator, not personalised financial advice. Rates, fees, taxes and contract conditions vary between institutions and countries.
- The tool works with whatever currency you use for the inputs; it does not convert between currencies.
Frequently asked questions
How do I write the holdings?
One per line: a name, an equals sign, then the amount you hold and the return it made, separated by a comma. The weights work themselves out from the amounts, so there is no need to make them add to a hundred. If you add a third number it is taken as that holding's beta, and the page gives you the beta of the whole portfolio as well. All the returns must cover the same period — mixing a one-year figure with a five-year one produces a number that means nothing.
What is the concentration index telling me?
How much of your portfolio is really doing the work. It is the sum of the squared weights, and one divided by it gives the effective number of holdings — how many equally-sized positions would be as spread out as yours. Ten holdings where one is eighty per cent of the money has an effective number close to 1.5, not ten. The figure counts lines in a list, not real diversification: four funds that all hold the same large companies look diversified here and are not.