Portfolio Return Calculator
Key takeaways
- Holding 1 is the largest at 45.45% of the ₹11.00 L portfolio, so its 12% expected return carries 45.45% of the blend.
- A simple average of the 4 entered returns would be 10.5%; weighting by value lifts it to 11.55%, because more of the money sits at the higher returns.
- One year at the blended 11.55% would add ₹1.27 L — taking the portfolio to ₹12.27 L if every holding performs as entered.
About the Portfolio Return Calculator
The Portfolio Return Calculator combines up to five holdings — different mutual funds, stocks, or any mix of investments — into one blended expected return, weighted by how much money sits in each. A holding with a larger share of the total pulls the blended figure toward its own return more than a smaller one does.
For each holding, enter its current value and the annual return expected of it going forward. Not all five slots need filling: a slot left at zero contributes nothing to the total and nothing to the weighted sum, so a two-holding portfolio works exactly the same way a full five-holding one does.
"Total portfolio value" is every holding's current value added together. "Weighted average return" is each holding's expected return weighted by its own share of that total — the single figure the whole portfolio effectively earns if every holding performs as entered. "Projected value after 1 year" applies that one blended rate to the total for a single year, which is what the donut splits: the portfolio as it stands today, and the growth one year at the blended rate would add.
This is a snapshot built from returns you EXPECT, not returns already earned. It never asks what anything originally cost, only what it is worth today and what you think it will do next, so it cannot report past performance — the ROI and Absolute Return calculators answer that question instead.
Frequently asked questions
How is a weighted average portfolio return calculated?
Multiply each holding's value by its expected return, add those products up, and divide by the total value of all holdings. A ₹5,00,000 holding at 12% and a ₹5,00,000 holding at 8% blend to 10%; move the money so it is ₹8,00,000 at 12% and ₹2,00,000 at 8% and the blend rises to 11.2%.
Why not just average the returns?
Because a simple average treats a ₹10,000 holding and a ₹10,00,000 holding as equally important, which they are not. The Key takeaways card on this page shows both figures side by side so the size of that difference is visible for the holdings you actually entered.
What if I have more than five holdings?
Group the smaller ones. Combining several similar holdings into one slot — their values added, and a value-weighted return in the return field — gives the same blended answer, because the weighting is linear. Five slots covers most portfolios at the level of detail this figure is useful at.
Why does the weighted return show a dash?
Because every holding is at zero, so there is no value to weight anything by. An average of nothing is not defined, and the projection built on it is not either, so both show "—" instead of a number.
Does this tell me how my portfolio has performed?
No. Every return on this page is one you entered as an expectation. There is no purchase price field and no time period, so nothing here is measured against what actually happened. For realised performance, use the ROI, Absolute Return or XIRR calculators.
Disclaimer: This calculator is for information and education only. It is not investment advice and not a recommendation to buy, sell or hold any investment. Where a rate of return, inflation or growth is an input, it is an assumption: actual returns vary and are not guaranteed, and past performance may or may not be sustained in future. It does not take your personal circumstances into account. Every figure is computed solely by applying the formula and assumptions stated on this page to the inputs you entered.