What the result means

Value

What the money put in was worth at the end date's close.

Total return

The final value divided by the money put in, minus one, as a percentage.

Yearly return

For one sum put in once, the steady yearly rate that turns it into the final value (the compound annual growth rate). For amounts put in on several dates, the money-weighted rate (the internal rate of return), which counts each amount only from the day it went in. Shown only when the money was invested for a year or more.

Worst fall

In the lump-sum answer for a listed stock or fund: the deepest drop in its price from a closing high to a later close. In the other answers: the deepest drop in the holding's value from a high to a later low.

Back to the pre-fall high

The time from the low of the worst fall to the first close back at the high before it, or "not yet".

Left uninvested

Money set aside for buying the dip that no fall used by the end date.

What changes the result

The dates. The same stock gives different results from different start and end days, because the prices in between differ.

How the money goes in. A lump sum is invested for the whole period from the first day. Equal amounts on a schedule buy at many different prices. Buying the dip waits for falls, so money can sit unused, and the result depends on when the falls came.

The dip settings. A lower fall percentage triggers buys more often; a larger share per buy uses the money in fewer buys.

Dividends. Listed stocks and funds count them as reinvested. Your own file is used as it is.

Lump Sum vs Dollar-Cost Averaging

Lump sum puts the whole amount in on the start date (the nearest trading day) and leaves it invested until the end date.

Dollar-cost averaging splits the same total into equal amounts, one for each date on a weekly, monthly or quarterly schedule, each bought on the trading day nearest that date. Money waiting for its date earns nothing here. It is also called a SIP (India), a Sparplan (Germany), a PAC (Italy), a versement programmé (France) or tsumitate (Japan).

Buying the dip holds the total as cash. Each time the close is the chosen percentage below the highest close so far, a set share of the total buys in, and the high is tracked again from that day, so one long slide counts once. Falls that don't come leave cash unused; more falls than the money allows means later ones are skipped.

See all three for a stock or fund

What is and isn't included

Past prices only: daily closing prices adjusted for stock splits, with dividends reinvested, for today's S&P 500 companies and major index funds. Companies that have left the index aren't covered. Your own file is used as it is.

Not included: taxes, trading fees, fund fees beyond those already in a fund's price, and currency conversion. Money waiting to be invested earns nothing. The figures show what happened over past dates; they don't predict future results and don't say what to buy.

About this calculation

What it calculates

For one stock, fund or price file and the dates chosen: the value of the money put in at the end date, the total return, the yearly return, the worst fall and, for the lump-sum answer, the time back to the pre-fall high. For dollar-cost averaging and buying the dip, also each purchase and any money left unused, and a Sharpe ratio.

Inputs

A listed stock or fund, or a price file; an amount; a start date; how the money goes in. Optional: an end date; a monthly amount added to a lump sum (listed stocks and funds); the schedule (dollar-cost averaging); the fall and the share per buy (buying the dip); the rate for the Sharpe ratio.

Prices

Daily closing prices adjusted for stock splits and dividends, so each dividend counts as if it bought more of the same stock. A price file's prices as given.

Dates

The start and end dates move to the nearest trading day (the earlier one when two are equally near). A lump sum buys at the start day's close. Dollar-cost averaging buys on the trading day nearest each scheduled date from the start date to the end date. Buying the dip checks every close from the start date. A monthly amount buys for each 1st of a month after the start date and on or before the end date, on the trading day nearest that 1st.

Yearly return

The compound annual growth rate for one sum: (final value ÷ amount)^{1 ÷ years} − 1, with years counted as days ÷ 365. The internal rate of return for amounts put in on several dates.

Sharpe ratio

(Yearly return − the rate you set) ÷ the yearly volatility of the holding's daily returns, with money added on a day left out of that day's return.

Rounding

Calculated at full precision and rounded only for display: whole dollars (cents for an amount per purchase), whole-percent total returns (one decimal under 1%), one decimal for yearly returns and falls.

Exclusions

Taxes, fees, currency conversion and companies no longer in the index.

Freshness

Prices update after each trading day.

Reproduce

Copy link reopens the same inputs. A price file isn't part of the link.