Enter comparable portfolio values

Use values in the same currency and a clearly defined start and end time. Mixing a USD starting value with a EUR ending value produces a meaningless result.

Treat deposits and withdrawals as cash flow

Enter deposits as a positive net cash flow and withdrawals as negative. Subtracting net contributed capital prevents a deposit from being counted as investment profit.

Know the limitation

This simple return is not time weighted and does not account for when each cash flow occurred. The tracked product can use snapshots and detected flows, but coverage still depends on provider history.