Money-Weighted Return (MWR) Calculator
Your personal IRR including a mid-period deposit — the return your actual rupees earned, solved exactly.
Formula
MWR punishes bad timing: deposit right before a crash and your MWR trails the fund's TWR — investor returns lag fund returns by 1-2%/yr on average for exactly this reason (the 'behavior gap'). Track both to see whether the gap is yours.
Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need money-weighted return calculator results fast? Analysts, founders, traders and finance professionals use the Money-Weighted Return Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About Money-Weighted Return (MWR) Calculator
Your personal IRR including a mid-period deposit — the return your actual rupees earned, solved exactly. MWR punishes bad timing: deposit right before a crash and your MWR trails the fund's TWR — investor returns lag fund returns by 1-2%/yr on average for exactly this reason (the 'behavior gap'). Track both to see whether the gap is yours. The governing relationship is start·(1+r)^T + flow·(1+r)^(T−t) = end (solve r). The Money-Weighted Return Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use Money-Weighted Return (MWR) Calculator
- 1Enter Starting value (currency), Deposit (− for withdrawal) (currency), Deposit made at year, Ending value (currency), Total period into the Money-Weighted Return Calculator.
- 2The result is computed automatically using start·(1+r)^T + flow·(1+r)^(T−t) = end (solve r) — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use Money-Weighted Return (MWR) Calculator?
- ✓Computes money-weighted return calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the Money-Weighted Return Calculator?+
Money-Weighted Return Calculator uses start·(1+r)^T + flow·(1+r)^(T−t) = end (solve r). MWR punishes bad timing: deposit right before a crash and your MWR trails the fund's TWR — investor returns lag fund returns by 1-2%/yr on average for exactly this reason (the 'behavior gap'). The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the Money-Weighted Return Calculator need?+
Enter Starting value (currency), Deposit (− for withdrawal) (currency), Deposit made at year, Ending value (currency), Total period and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the Money-Weighted Return Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. It is for informational and analytical use, not financial advice.
What should I watch out for when using the Money-Weighted Return Calculator?+
Track both to see whether the gap is yours.
What is the Money-Weighted Return Calculator based on?+
The method follows authoritative sources: Dalbar QAIB — investor vs investment returns. The formula and references are shown on the page so you can verify and cite the result.
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