ABCDEFGHIJKLMNOPQRSTUVWXYZ
1
YearYour ReturnS&P ReturnDifference
*Download or make a copy for yourself to use. Follow instructions in Row 13 and delete, or leave for reference.
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201417.48%11.54%5.94%
3
20157.09% (1.01%)8.09%
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201612.24%10.44%1.80%
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201713.67%19.19%-5.52%
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201816.52% (7.70%)24.23%
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20198.24%30.99%-22.75%
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202013.17%15.98%-2.81%
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202110.04%25.53%-15.49%
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Average12.31%13.12%-0.81%
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Period ending date required for calculationsReference your account statements to input column B and input columns C:H as needed by amount contributed and day of month posted. Columns B:D are prefilled with pseudo-random data. Select A16:H112 and clear contents to start fresh with your data. If you did not contribute for a holding period or didn't contribute more than once, just leave those cells zeroed out as done with columnes E:H.Pass-through valuesYour ResultsInput S&P closing value on the last day of the month or opening value on the 1st of the following month (I sourced these values from Yahoo)S&P ResultsComparison
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Holding Period End DatePeriod Ending ValueContributed Funds Amount 1Day of Month_CF1Contributed Funds Amount 2Day of Month_CF2Contributed Funds Amount 3Day of Month_CF3Contributed Funds Time-Weighted SumGain ex-Contributed FundsHolding Period ReturnCompound Annual Growth Rate (TWRR)S&P 500 Closing ValueS&P 500 HPRS&P 500 CAGRHPR DifferenceCAGR Difference
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12/31/2013 $ 271.08 $ 268.00 27 $ - 0 $ - 01845.86
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1/31/2014 $ 595.54 $ 311.00 14 $ - 0 $ - 0 $ 170.55 $ 13.46 3.05%42.40%1782.68 (3.42%) (33.64%)6.47%76.04%
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2/28/2014 $ 762.21 $ 163.00 10 $ - 0 $ - 0 $ 104.79 $ 3.68 0.52%24.37%1857.684.21%4.03%-3.68%20.34%
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3/31/2014 $ 1,086.62 $ 311.00 27 $ - 0 $ - 0 $ 40.13 $ 13.41 1.67%23.39%1883.951.41%8.64%0.26%14.76%
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4/30/2014 $ 1,521.46 $ 403.00 21 $ - 0 $ - 0 $ 120.90 $ 31.84 2.64%26.72%1923.572.10%13.36%0.53%13.36%
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5/31/2014 $ 1,867.81 $ 332.00 25 $ - 0 $ - 0 $ 64.26 $ 14.35 0.90%23.36%1960.231.91%15.64%-1.00%7.72%
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6/30/2014 $ 2,424.64 $ 494.00 21 $ - 0 $ - 0 $ 148.20 $ 62.84 3.12%26.75%1930.67 (1.51%)9.48%4.62%17.27%
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7/31/2014 $ 2,895.04 $ 457.00 15 $ - 0 $ - 0 $ 235.87 $ 13.40 0.50%23.50%2003.373.77%15.14%-3.26%8.36%
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8/31/2014 $ 3,321.93 $ 380.00 22 $ - 0 $ - 0 $ 110.32 $ 46.89 1.56%23.04%1972.29 (1.55%)10.46%3.11%12.58%
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9/30/2014 $ 3,442.84 $ 117.00 26 $ - 0 $ - 0 $ 15.60 $ 3.91 0.12%20.46%2018.052.32%12.66%-2.20%7.80%
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10/31/2014 $ 3,630.95 $ 144.00 27 $ - 0 $ - 0 $ 18.58 $ 44.10 1.27%20.01%2067.562.45%14.59%-1.18%5.42%
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11/30/2014 $ 3,733.14 $ 59.00 7 $ - 0 $ - 0 $ 45.23 $ 43.19 1.17%19.57%2065.78 (0.09%)13.09%1.26%6.48%
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12/31/2014 $ 3,879.86 $ 156.00 16 $ - 0 $ - 0 $ 75.48 $ (9.28) (0.24%)17.48%2058.9 (0.33%)11.54%0.09%5.94%
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1/31/2015 $ 3,910.34 $ 138.00 18 $ - 0 $ - 0 $ 57.87 $ (107.52) (2.73%)13.09%1996.67 (3.02%)7.51%0.29%5.58%
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2/28/2015 $ 4,050.48 $ 125.00 8 $ - 0 $ - 0 $ 89.29 $ 15.14 0.38%12.54%2105.235.44%11.98%-5.06%0.56%
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3/31/2015 $ 4,481.17 $ 416.00 14 $ - 0 $ - 0 $ 228.13 $ 14.69 0.34%11.94%2085.51 (0.94%)10.29%1.28%1.66%
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4/30/2015 $ 4,514.14 $ 55.00 1 $ - 0 $ - 0 $ 53.17 $ (22.03) (0.49%)10.76%2107.391.05%10.49%-1.53%0.27%
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5/31/2015 $ 4,740.12 $ 205.00 22 $ - 0 $ - 0 $ 59.52 $ 20.98 0.46%10.44%2063.11 (2.10%)8.19%2.56%2.25%
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6/30/2015 $ 5,198.50 $ 393.00 26 $ - 0 $ - 0 $ 52.40 $ 65.37 1.36%10.84%2103.841.97%9.14%-0.61%1.70%
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7/31/2015 $ 5,695.81 $ 438.00 13 $ - 0 $ - 0 $ 254.32 $ 59.31 1.09%10.98%1972.18 (6.26%)4.28%7.35%6.71%
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8/31/2015 $ 5,910.41 $ 184.00 16 $ - 0 $ - 0 $ 89.03 $ 30.61 0.53%10.74%1920.03 (2.64%)2.39%3.17%8.35%
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9/30/2015 $ 6,228.95 $ 323.00 2 $ - 0 $ - 0 $ 301.47 $ (4.46) (0.07%)10.17%2079.368.30%7.05%-8.37%3.12%
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10/31/2015 $ 6,728.59 $ 370.00 16 $ - 0 $ - 0 $ 179.03 $ 129.64 2.02%10.88%2080.410.05%6.74%1.97%4.14%
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11/30/2015 $ 7,370.96 $ 481.00 1 $ - 0 $ - 0 $ 464.97 $ 161.37 2.24%11.68%2082.930.12%6.51%2.12%5.16%
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12/31/2015 $ 7,925.06 $ 413.00 4 $ - 0 $ - 0 $ 359.71 $ 141.10 1.83%12.16%2038.2 (2.15%)5.08%3.97%7.08%
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1/31/2016 $ 8,491.56 $ 401.00 22 $ - 0 $ - 0 $ 116.42 $ 165.50 2.06%12.74%1936.94 (4.97%)2.34%7.03%10.40%
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2/29/2016 $ 9,083.94 $ 447.00 27 $ - 0 $ - 0 $ 30.83 $ 145.38 1.71%13.12%1937.090.01%2.25%1.70%10.87%
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3/31/2016 $ 9,262.82 $ 155.00 16 $ - 0 $ - 0 $ 75.00 $ 23.88 0.26%12.73%2065.36.62%5.12%-6.36%7.61%
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4/30/2016 $ 9,804.65 $ 479.00 6 $ - 0 $ - 0 $ 383.20 $ 62.84 0.65%12.57%2096.951.53%5.62%-0.88%6.94%
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5/31/2016 $ 10,060.42 $ 195.00 25 $ - 0 $ - 0 $ 37.74 $ 60.76 0.62%12.38%2098.860.09%5.46%0.53%6.92%
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6/30/2016 $ 10,563.61 $ 102.00 28 $ - 0 $ - 0 $ 6.80 $ 401.19 3.99%13.72%2173.63.56%6.76%0.42%6.96%
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7/31/2016 $ 10,811.20 $ 474.00 10 $ - 0 $ - 0 $ 321.10 $ (226.41) (2.08%)12.32%2170.95 (0.12%)6.48%-1.96%5.84%
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8/31/2016 $ 10,962.50 $ 74.00 5 $ - 0 $ - 0 $ 62.06 $ 77.31 0.71%12.20%2168.27 (0.12%)6.22%0.83%5.99%
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9/30/2016 $ 11,028.53 $ 5.00 14 $ - 0 $ - 0 $ 2.67 $ 61.03 0.56%12.04%2126.15 (1.94%)5.27%2.50%6.77%
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10/31/2016 $ 11,511.00 $ 309.00 12 $ - 0 $ - 0 $ 189.39 $ 173.47 1.55%12.27%2198.813.42%6.36%-1.87%5.90%
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11/30/2016 $ 11,824.58 $ 234.00 27 $ - 0 $ - 0 $ 23.40 $ 79.58 0.69%12.17%2200.170.06%6.20%0.63%5.97%
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12/31/2016 $ 12,027.84 $ 80.00 17 $ - 0 $ - 0 $ 36.13 $ 123.26 1.04%12.19%2251.572.34%6.84%-1.30%5.35%
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1/31/2017 $ 12,432.16 $ 220.00 26 $ - 0 $ - 0 $ 35.48 $ 184.32 1.53%12.39%2285.591.51%7.17%0.02%5.22%
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2/28/2017 $ 12,652.28 $ 124.00 9 $ - 0 $ - 0 $ 84.14 $ 96.12 0.77%12.34%2380.134.14%8.36%-3.37%3.97%
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3/31/2017 $ 13,077.08 $ 340.00 25 $ - 0 $ - 0 $ 65.81 $ 84.79 0.67%12.23%2384.20.17%8.19%0.50%4.03%
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4/30/2017 $ 13,450.85 $ 329.00 26 $ - 0 $ - 0 $ 43.87 $ 44.77 0.34%12.02%2411.81.16%8.36%-0.82%3.66%
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5/31/2017 $ 14,033.48 $ 463.00 20 $ - 0 $ - 0 $ 164.29 $ 119.63 0.88%11.99%2423.410.48%8.29%0.40%3.70%
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6/30/2017 $ 14,538.47 $ 171.00 9 $ - 0 $ - 0 $ 119.70 $ 334.00 2.36%12.44%2470.31.93%8.69%0.42%3.76%
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7/31/2017 $ 14,879.12 $ 336.00 7 $ - 0 $ - 0 $ 260.13 $ 4.65 0.03%12.14%2471.650.05%8.49%-0.02%3.65%
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8/31/2017 $ 15,494.48 $ 367.00 12 $ - 0 $ - 0 $ 224.94 $ 248.36 1.64%12.34%2519.361.93%8.85%-0.29%3.49%
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9/30/2017 $ 15,792.07 $ 211.00 24 $ - 0 $ - 0 $ 42.20 $ 86.59 0.56%12.22%2575.262.22%9.28%-1.66%2.94%
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10/31/2017 $ 16,460.55 $ 206.00 11 $ - 0 $ - 0 $ 132.90 $ 462.48 2.90%12.77%2647.582.81%9.86%0.10%2.91%
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11/30/2017 $ 17,119.79 $ 294.00 11 $ - 0 $ - 0 $ 186.20 $ 365.24 2.19%13.12%2645.1 (0.09%)9.62%2.29%3.50%
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12/31/2017 $ 17,130.70 $ 170.00 25 $ - 0 $ - 0 $ 32.90 $ (159.09) (0.93%)12.56%2683.731.46%9.80%-2.39%2.76%
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1/31/2018 $ 17,655.88 $ 461.00 14 $ - 0 $ - 0 $ 252.81 $ 64.18 0.37%12.38%2816.454.95%10.89%-4.58%1.49%
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2/28/2018 $ 17,893.49 $ 92.00 20 $ - 0 $ - 0 $ 26.29 $ 145.61 0.82%12.36%2715.22 (3.59%)9.71%4.42%2.65%
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3/31/2018 $ 18,477.72 $ 253.00 9 $ - 0 $ - 0 $ 179.55 $ 331.23 1.83%12.58%2648.05 (2.47%)8.86%4.31%3.72%
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4/30/2018 $ 18,692.88 $ 128.00 18 $ - 0 $ - 0 $ 51.20 $ 87.16 0.47%12.45%2705.272.16%9.23%-1.69%3.22%
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5/31/2018 $ 19,388.06 $ 121.00 14 $ - 0 $ - 0 $ 66.35 $ 574.18 3.06%12.96%2718.370.48%9.16%2.58%3.80%
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6/30/2018 $ 19,828.01 $ 235.00 16 $ - 0 $ - 0 $ 109.67 $ 204.95 1.05%12.98%2816.293.60%9.85%-2.55%3.13%
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7/31/2018 $ 20,522.79 $ 331.00 14 $ - 0 $ - 0 $ 181.52 $ 363.78 1.82%13.16%2901.523.03%10.37%-1.21%2.79%
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8/31/2018 $ 20,919.69 $ 424.00 11 $ - 0 $ - 0 $ 273.55 $ (27.11) (0.13%)12.88%2913.980.43%10.27%-0.56%2.60%
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9/30/2018 $ 21,204.57 $ 96.00 20 $ - 0 $ - 0 $ 32.00 $ 188.88 0.90%12.86%2711.74 (6.94%)8.43%7.84%4.42%
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10/31/2018 $ 22,005.44 $ 465.00 26 $ - 0 $ - 0 $ 75.00 $ 335.87 1.58%12.98%2760.171.79%8.68%-0.21%4.30%
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11/30/2018 $ 22,519.36 $ 236.00 26 $ - 0 $ - 0 $ 31.47 $ 277.92 1.26%13.04%2790.51.10%8.77%0.16%4.27%
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12/31/2018 $ 23,081.52 $ 22.00 4 $ - 0 $ - 0 $ 19.16 $ 540.16 2.40%13.34%2476.96 (11.24%)6.05%13.63%7.28%
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1/31/2019 $ 23,420.44 $ 139.00 18 $ - 0 $ - 0 $ 58.29 $ 199.92 0.86%13.29%2702.329.10%7.78%-8.23%5.51%
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2/28/2019 $ 23,559.77 $ 362.00 12 $ - 0 $ - 0 $ 206.86 $ (222.66) (0.94%)12.88%2798.223.55%8.39%-4.49%4.49%
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3/31/2019 $ 24,223.25 $ 312.00 12 $ - 0 $ - 0 $ 191.23 $ 351.48 1.48%12.97%2945.835.28%9.31%-3.80%3.66%
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4/30/2019 $ 24,513.71 $ 105.00 18 $ - 0 $ - 0 $ 42.00 $ 185.46 0.76%12.92%2752.06 (6.58%)7.78%7.34%5.14%
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5/31/2019 $ 25,589.05 $ 351.00 23 $ - 0 $ - 0 $ 90.58 $ 724.34 2.94%13.31%2941.766.89%8.99%-3.95%4.33%
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6/30/2019 $ 25,478.49 $ 221.00 28 $ - 0 $ - 0 $ 14.73 $ (331.56) (1.29%)12.83%2980.381.31%9.10%-2.61%3.73%
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7/31/2019 $ 26,288.44 $ 434.00 5 $ - 0 $ - 0 $ 364.00 $ 375.94 1.45%12.92%2926.46 (1.81%)8.60%3.26%4.31%
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8/31/2019 $ 26,728.28 $ 162.00 26 $ - 0 $ - 0 $ 26.13 $ 277.84 1.06%12.92%2976.741.72%8.80%-0.66%4.12%
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9/30/2019 $ 26,720.82 $ 391.00 7 $ - 0 $ - 0 $ 299.77 $ (398.45) (1.47%)12.43%3037.562.04%9.05%-3.52%3.39%
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10/31/2019 $ 27,033.90 $ 167.00 3 $ - 0 $ - 0 $ 150.84 $ 146.07 0.54%12.35%3140.983.40%9.54%-2.86%2.81%
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11/30/2019 $ 27,910.48 $ 483.00 28 $ - 0 $ - 0 $ 32.20 $ 393.59 1.45%12.44%3143.850.09%9.42%1.36%3.02%
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12/31/2019 $ 28,563.47 $ 320.00 24 $ - 0 $ - 0 $ 72.26 $ 332.99 1.19%12.47%3244.673.21%9.85%-2.02%2.62%
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1/31/2020 $ 28,887.41 $ 251.00 11 $ - 0 $ - 0 $ 161.94 $ 72.94 0.25%12.34%3235.66 (0.28%)9.66%0.53%2.68%
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2/29/2020 $ 29,875.76 $ 373.00 22 $ - 0 $ - 0 $ 90.03 $ 615.35 2.12%12.55%2974.28 (8.08%)8.04%10.20%4.51%
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3/31/2020 $ 29,822.04 $ 352.00 22 $ - 0 $ - 0 $ 102.19 $ (405.72) (1.35%)12.13%2912.43 (2.08%)7.57%0.73%4.56%
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4/30/2020 $ 30,961.10 $ 192.00 4 $ - 0 $ - 0 $ 166.40 $ 947.06 3.16%12.51%3044.314.53%8.22%-1.37%4.29%
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5/31/2020 $ 31,632.73 $ 189.00 14 $ - 0 $ - 0 $ 103.65 $ 482.63 1.55%12.60%3100.291.84%8.41%-0.29%4.19%
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6/30/2020 $ 32,617.63 $ 489.00 5 $ - 0 $ - 0 $ 407.50 $ 495.90 1.55%12.70%3271.125.51%9.20%-3.96%3.50%
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7/31/2020 $ 33,970.90 $ 384.00 17 $ - 0 $ - 0 $ 173.42 $ 969.27 2.96%13.03%3500.317.01%10.20%-4.05%2.82%
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8/31/2020 $ 33,437.23 $ 136.00 12 $ - 0 $ - 0 $ 83.35 $ (669.67) (1.97%)12.52%3363 (3.92%)9.41%1.96%3.11%
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9/30/2020 $ 34,149.98 $ 226.00 27 $ - 0 $ - 0 $ 22.60 $ 486.76 1.45%12.59%3269.96 (2.77%)8.84%4.22%3.76%
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10/31/2020 $ 34,180.55 $ 64.00 26 $ - 0 $ - 0 $ 10.32 $ (33.44) (0.10%)12.41%3621.6310.75%10.36%-10.85%2.05%
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11/30/2020 $ 34,873.75 $ 371.00 16 $ - 0 $ - 0 $ 173.13 $ 322.20 0.94%12.41%3645.870.67%10.34%0.27%2.07%
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12/31/2020 $ 35,921.32 $ 334.00 15 $ - 0 $ - 0 $ 172.39 $ 713.57 2.04%12.57%3764.613.26%10.71%-1.22%1.86%