How we calculate

Every number in Ripely, explained in plain words. No black box: you can check everything against your DEGIRO export.

Value

What your positions are worth (quantity × closing price from your latest Portfolio.csv), plus your cash. The closing price is from the day you uploaded the file.

Total result

Everything you gained: what you have now (positions and cash) minus your net deposits. So price gains, dividends, interest and all costs are in it. The percentage is the result divided by your net deposits.

Average per year

The one yearly return that turns all your deposits and withdrawals, at the moment they happened, into what you have now (this method is called XIRR). A deposit from last month doesn't count as if it had been invested for years. We show it after your first year.

Net deposits

All money you put into your account minus everything you took out, from your Account.csv. Internal transfers within DEGIRO don't count.

Paid per share

What you paid on average for each share you still own (the average cost method). When you sell, the average stays the same. With more accounts we calculate this per account, so a sale in one account never uses the price of another.

Result per position

Price gain on what you still own, plus price gain on what you sold, plus the dividends, minus the transaction fees. The percentage compares that to everything you ever bought of it.

Dividends

Net amounts in euro: what landed in your account after the dividend tax that was withheld. Foreign dividends are converted with DEGIRO's own exchange rate.

Dividend on today's value and on what you paid

The dividends of the last 12 months divided by what your positions are worth now (dividend yield), or by what you paid for them (yield on cost). The second one grows when companies raise their dividends.

Expected dividends

For every payout in the last 12 months we take the amount per share and multiply it by what you own now, one year later. An estimate: companies change their dividends.

Costs

Transaction fees and exchange connection fees come straight from your Account.csv. The currency costs are an estimate: DEGIRO charges 0.25% on every currency exchange, hidden in the rate, so we take 0.25% of every exchange.

So far

Your net deposits at the end of every month, and an estimate of what your positions were worth then, with the prices of your own buys and sells. On days with a Portfolio.csv we use the real closing prices. Cash is not in this line.

The next 30 years

We start with what you have now and add your yearly deposits (by default what you put in over the last 12 months), month by month, growing at 4%, 7% or 10% a year. An example to see what compound interest does, not a prediction or advice.

Why does my value differ from DEGIRO?

Usually because of timing: we use the closing prices of the day you uploaded Portfolio.csv, DEGIRO shows live prices. Small differences also come from exchange rates: we use DEGIRO's rate at the moment of each transaction. Upload a fresh Portfolio.csv and the numbers line up again.