Returns:
Dollars:
Inflation:%
Net worth
$1,343,520
As of today
Lifetime contributions
$423,900
+$30,900 YTD
Market gains
$919,620
217% on contributions
Annualized return (nominal)
36.1%
Time-weighted, 24mo
Net worth over time
Total value vs cumulative contributions — the gap is your market gains
$1,343,520
+$269,387 (+25.08%) over 1Y
Total value
$1,343,520
Contributed
$423,900
+$74,300 this period
Market gains
$919,620
216.9% on contributions
Today
$1,343,520
In 2024 dollars
$1,278,782
2yr cumulative inflation
In 2020 dollars
$1,158,513
6yr cumulative inflation
Where you're heading
Three scenarios — bad / normal / great markets, plus your monthly contributions
Bad markets (5% nominal)
$3,603,755
Future $5.91M
Normal markets (10% nominal)
$8,557,184
Future $14.02M
Great markets (15% nominal)
$21,190,424
Future $34.72M
Assumptions: $5,500/mo contribution, three flat-return scenarios — 5% bad (below long-term S&P), 10% normal (long-term US equity average), 15% great (extended bull market). Real returns subtract 2.5% inflation.
In plain English: at a normal 10% return, your portfolio reaches $8,557,184 in 20 years (in today's dollars). Bad markets land you at $3,603,755; great markets at $21,190,424.
Note: This is a simple compound-return calculator using flat assumptions, not a Monte Carlo simulation. It does not model sequence-of-returns risk or volatility.
Performance breakdown
How much of your growth comes from market vs new contributions
Market gains$919,620
188% of growth · Returns from price appreciation, dividends, and option premium
Your contributions$133,900
27% of growth · New money you've added during this period
Returns vs benchmarks (YTD)
Compare vs:
Your portfolio (TWR)
+4.71%
S&P 500 (SPY)
+9.10%
Nasdaq 100 (QQQ)
+11.40%
60/40 portfolio
+5.80%
Average advisor mix
+5.20%
The average advisor mix is ahead of you by 0.5 pts YTD. On $1,343,520.00, that mix would have generated $6,520 more — but they'd also charge ~1% AUM ($13,435/yr) for it.
Plain English: over the last year, your portfolio returned +24.6% vs the S&P's +15.2% — you outperformed by 9.4 percentage points, primarily driven by your heavy semiconductor allocation. Concentrated bets amplify both gains and losses. Your Sharpe ratio of 1.42 means you're getting strong returns relative to the risk you're taking — above 1.0 is generally considered good.
Period returns
| Period | You | SPY | QQQ | 60/40 |
|---|---|---|---|---|
| 1M | +2.80% | +1.40% | +2.10% | +0.90% |
| 3M | +6.20% | +3.10% | +4.60% | +2.20% |
| YTD | +4.71% | +9.10% | +11.40% | +5.80% |
| 1Y | +24.60% | +15.20% | +22.40% | +9.10% |
| 2Y | +36.08% | +28.40% | +41.20% | +14.80% |
Return calculations
Time-weighted return (TWR)
Standard performance metric. Excludes the effect of when you contributed.
36.08%
Money-weighted return (IRR)
Includes timing of contributions. Reflects your actual experience.
12.40%
Yield on cost
Annual dividend income / cost basis
2.34%
Current dividend yield
Annual dividends / market value
1.18%
Sharpe ratio
Risk-adjusted return
1.42
TWR is what your advisor reports. MWR is the truth about your investing returns.
Worst drawdowns
Aug 2025 → Oct 2025-12.40%
Duration 2 mo · Recovery 6 weeks
Apr 2025 → May 2025-7.20%
Duration 6 wks · Recovery 3 weeks
Feb 2025 → Mar 2025-4.80%
Duration 3 wks · Recovery 2 weeks
Max drawdown is more useful than volatility for behavioral planning.
What is "market gains"?
The difference between your total value and what you've put in. If you've contributed $310K and have $1.34M, your market gains are $1.03M — money you didn't put in.
The difference between your total value and what you've put in. If you've contributed $310K and have $1.34M, your market gains are $1.03M — money you didn't put in.