Enter a ticker or company name. Historical closes, dividends, and stock splits are loaded from Yahoo Finance when you calculate.
All three treatments are calculated together.
Manual trade return uses your verified trade data. DRIP requires an actual reinvestment price on every dividend row; no linear price estimate is used.
Use payment dates and dividend per share. Reinvestment price is required for a DRIP comparison.
| Date | Dividend/share | Reinvestment price | Delete |
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Contributions are invested at the first available close on or after each scheduled date. XIRR replaces CAGR when contributions occur. Inflation adjustment reports ending value in start-date dollars.
Calculate a historical return to compare the same investment and dates.
A textual summary will appear after calculation.
| Date | Event | Price | Shares change | Shares | Cash flow | Value |
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Informational use only. This is not financial, tax, or legal advice. Verify results independently. Historical performance does not predict future results.
Inputs: 50 shares bought at $40 and sold two years later at $52; $60 total dividends; $10 buy commission and $10 sell commission.
Intermediate calculation: initial cost = (50 × $40) + $10 = $2,010. Ending proceeds = (50 × $52) + $60 − $10 = $2,650.
Result: dollar gain = $2,650 − $2,010 = $640. Total return = $640 ÷ $2,010 = 31.84%. CAGR = ($2,650 ÷ $2,010)1/2 − 1 = 14.82%.
Inputs: $1,000 buys 10 shares at $100. A $2 dividend per share is paid after one year and reinvested at the actual $80 market price. The ending price after two years is $120.
Intermediate calculation: dividend = 10 × $2 = $20; new shares = $20 ÷ $80 = 0.25; ending shares = 10.25.
Result: final value = 10.25 × $120 = $1,230; dollar gain = $230; total return = 23.00%; CAGR = 1.231/2 − 1 = 10.91%. Holding cash instead would end at $1,220, so DRIP adds $10.
Price return is ending price divided by starting price minus one. Total return compares ending portfolio value—including net dividends—with invested cash. CAGR annualizes a single initial investment: (ending value ÷ initial value)1/years − 1. Annualized return is the general yearly rate; this tool reports XIRR when recurring contributions create dated cash flows. XIRR is the rate that makes those flows' net present value zero.
Historical mode retrieves daily raw closes, cash dividends, and split ratios from Yahoo Finance. The first trading close on or after the requested start and the last trading close on or before the requested end are used. A dividend is applied on its reported payment date using that day's close or the next available trading close for DRIP. Fractional shares are retained. Reported splits multiply share count on the split date; raw prices and explicit corporate-action events are used so dividends are not counted twice. Adjusted close is retained only as a data-quality reference.
Manual DRIP requires a reinvestment price for every dividend; the calculator never draws a straight price line or labels one as an equity curve. Dividend tax is deducted before cash is held or reinvested. Commissions and percentage fees reduce buy or sell value. Contributions buy fractional shares at the next available close and trigger XIRR. Inflation adjustment discounts nominal ending value using the entered annual rate. Calculations retain full precision; displayed dollars use two decimals, percentages two decimals, and shares up to six decimals.
Capital-gains tax, bid–ask spreads, withholding differences, foreign exchange, survivorship bias, and broker-specific execution are not modeled. Annualizing a period under one year compounds a short move across a full year, so the displayed rate can look extreme and should be interpreted carefully.
Price return measures only the change in share price. Total return includes price change plus dividends and, in the DRIP scenario, the effect of buying fractional shares with those dividends.
ROI is the total percentage gain or loss. CAGR annualizes one initial investment and one ending value. XIRR annualizes irregular cash flows, so this calculator uses XIRR when recurring contributions are included.
Historical mode uses the actual market close on each dividend pay date, or the next available trading close. Manual mode requires a reinvestment price for every dividend before DRIP can be calculated. Fractional shares are allowed.
Historical mode applies split ratios reported by Yahoo Finance to the share count. Manual mode does not infer splits; enter prices, shares, and dividends on a consistent split-adjusted basis.
Adjusted close can reflect corporate actions and distributions. This calculator uses raw historical closes for event-by-event DRIP and applies reported dividends and splits separately to avoid counting dividends twice.
Dividend tax reduces each cash dividend before it is held or reinvested. Buy and sell commissions and percentage fees reduce invested or ending value. Tax law, capital-gains tax, spreads, and foreign exchange are not modeled.
Yahoo Finance may return limited or no history for delisted, renamed, or unsupported securities. The calculator reports the lookup problem and does not invent prices; use manual mode with verified records if needed.
The start uses the first available close on or after the requested date, and the end uses the last available close on or before the requested date. Dividend reinvestment uses that date's close or the next available trading close.
Historical data comes from Yahoo Finance and is fetched when you calculate. The result shows the retrieval time and actual pricing dates. Recent or intraday values may be delayed, revised, or unavailable.
No. Results are educational estimates, not investment, tax, or legal advice. Verify data and calculations independently; historical performance does not predict future results.
