# Investment Calculator > Stock Profit, ROI, Dividend Yield & Portfolio Tracker Free investment calculator with portfolio tracker. Calculate stock profit, ROI, dividend yield, and cost basis. No signup, 100% private. URL: https://tools.scoreroute.com/tools/investment-calculator/ Markdown: https://tools.scoreroute.com/tools/investment-calculator/.md ## Portfolio Summary ### Add a New Holding ### Holdings No holdings yet. Add one above or load the sample portfolio to see how it works. ### Actions ### Portfolio Charts #### Allocation by Holding #### Profit / Loss by Holding ### Settings ### What is the Investment Calculator? The Investment Calculator is a free, no signup browser tool that tracks your stock, ETF, crypto, and bond holdings across multiple buy lots. It calculates profit and loss using your choice of cost basis method, tracks dividends, and gives you a real time view of how your portfolio is doing. Everything stays in your browser through local storage, so your financial data is never uploaded or shared. ### How It Works Start by adding a holding with the ticker symbol, the number of shares you bought, the price per share, the date, and any broker fees. You can add the same symbol again later if you bought more at a different price, and the tool will treat each purchase as a separate lot. Then enter the current market price whenever you want an updated portfolio value. The calculator does all the math: average cost basis, unrealized profit, realized profit from any sales, dividend yield, total return, and percentage ROI. ### Cost Basis Methods Explained Cost basis is what you actually paid for an investment, including fees. The tool supports three methods. Average Cost adds up all your buy prices weighted by share count and divides, giving one blended cost per share. FIFO, or First In First Out, assumes the shares you sell came from the oldest lot first, which often lowers your taxable gain when prices have risen. LIFO, or Last In First Out, assumes the newest shares were sold first. Average Cost is the simplest and is the default in many brokers. FIFO is required by the IRS in the United States for most stocks unless you specifically elect Average Cost for mutual funds. ### Realized vs Unrealized Profit Unrealized profit is the gain or loss on shares you still own, calculated against the current market price. It is paper profit that becomes real only when you sell. Realized profit is locked in once you sell shares. The Investment Calculator tracks both. When you use the Sell action, the tool removes shares from your open lots using your chosen cost basis method and books the realized profit or loss. Your running total appears in the summary cards at the top. ### Why a Browser-Based Tool Most online portfolio trackers require an account, sell your data to brokers, or charge for advanced features like FIFO cost basis or dividend tracking. This calculator runs entirely in your browser. Holdings, prices, and dividends are saved to local storage on your device, so they survive page reloads but never leave your computer. You can export to JSON or CSV anytime to back up your data or import it into a spreadsheet for tax filing. ### Real-World Use Cases - **Day traders and swing traders:** Quickly enter buy and sell prices with fees to see exact net profit across multiple lots - **Long term investors:** Track dividend income and total return for retirement accounts or taxable brokerage accounts - **Crypto holders:** Use the tool for Bitcoin, Ethereum, or altcoin holdings bought at different prices across exchanges - **Tax preparation:** Export your realized trades to CSV at year end and feed into your tax software - **Comparison shopping:** Compare FIFO versus Average Cost methods to see which gives a more favorable outcome for your situation - **Teaching and learning:** Show students or new investors how cost basis, dividends, and ROI work with real numbers ### Frequently Asked Questions **How is profit calculated for a single holding?** For each holding, the tool multiplies your shares by the current price to get market value, subtracts total cost including fees, and divides by total cost to get the return percentage. If you have multiple buy lots, the cost basis is calculated using your selected method, average cost, FIFO, or LIFO. The result is split into realized profit (already sold) and unrealized profit (still held). **What is the difference between ROI and total return?** ROI, or return on investment, is the percentage gain or loss on your invested capital. Total return includes both price appreciation and dividends received. For example, if you invested $1000, the position is now worth $1100, and you collected $30 in dividends, your ROI is 10 percent and your total return is 13 percent. The calculator shows both numbers. **How does the dividend yield work?** Dividend yield is the annual dividend income divided by the current market value of the holding. When you add a dividend payment, the tool records the amount per share and the date. The yield is recalculated using the most recent annual payout or the sum of the last four quarterly payments, divided by your current price. **Is my portfolio data sent to a server?** No. All data stays in your browser using local storage. The page never makes API calls to send your holdings, prices, or transactions anywhere. You can clear everything anytime with the Reset Portfolio button, or export to JSON for backup before clearing your browser data. **Can I use this for crypto and stocks at the same time?** Yes. The Asset Type field lets you tag each holding as stock, crypto, ETF, bond, or other. The math is identical, but the labels help when you export to CSV or review your allocation. Crypto holdings in particular benefit from the multi-lot support because most people buy coins at different prices across months or years. **Why does the cost basis method matter?** Different methods can give very different realized profit numbers, which directly affects your tax bill. FIFO usually produces a higher gain when prices have risen over time because the oldest shares had the lowest cost. Average Cost smooths things out. LIFO often produces the smallest taxable gain in a rising market. Check with a tax professional for your specific situation, but the calculator lets you see all three side by side. **How do I update prices across all holdings?** Currently you update prices one holding at a time using the Update Current Price action. For a bulk import, use the JSON or CSV import buttons. Each row should include the symbol, current price, and any updated fields. The tool will merge without duplicating existing lots. **What happens if I clear my browser data?** Your portfolio is stored in local storage in your browser. If you clear site data or use a private browsing window, the holdings will be gone. To prevent loss, export to JSON regularly. The exported file can be re-imported on the same or a different browser, with no server needed. ## References - [ISO 4217 — Currency Codes](https://en.wikipedia.org/wiki/ISO_4217) - [Bank for International Settlements](https://www.bis.org/)