Each holding’s value is its share count multiplied by its current price.
Holding
Shares
Price
Value
Holding 1
100
150.00
15000.00
Holding 2
50
80.00
4000.00
Holding 3
200
25.00
5000.00
Estimates only — not financial, tax, or professional advice.
100% private — every number you enter is calculated in your browser and never sent to our servers.
What it calculates: Total portfolio value, Largest position value, Number of holdings.
Updated 5 June 2026 · Transparent assumptions
Holding count is not diversification
Four holdings sound diversified until one of them is 70% of the money. The calculator reports the largest position alongside the total for exactly that reason — concentration is a property of the weights, not of how many lines are on the statement.
Concentration usually arrives by success rather than by decision. A holding that outperforms grows its own share of the portfolio year after year, so a position sized sensibly at purchase can quietly become the dominant risk without anything ever being bought.
Drift is the gap between the portfolio you chose and the one you have
Comparing current weights against the targets you set is what rebalancing acts on. Selling part of what has grown and buying what has lagged restores the intended risk, and mechanically sells high and buys low.
It is not free. Rebalancing in a taxable account realises gains, so the usual compromise is to rebalance with new contributions where possible and to act on drift only past a threshold rather than on a calendar.
What it is worth and what it earned are different questions
A total computed from current prices says nothing about what you paid. A portfolio worth 10,00,000 might be up 40% or down 20%, and this figure is identical either way.
For the return, the cost basis has to enter the calculation — the average cost basis calculator for the per-unit figure, and the portfolio return calculator for a weighted return across holdings.
Where this stops
The tool takes up to four positions in a single currency. A larger portfolio can be handled by grouping holdings into four buckets by asset class, which is often the more useful view of concentration anyway.
Prices are whatever you enter, so the total is only as current as they are. Accrued dividends, holdings in other currencies, and anything not priced in shares — bonds held to maturity, property, cash — need handling separately.
Sources & References
Figures on this page are checked against primary, authoritative sources. Links open in a new tab.
Returns are assumptions, not guarantees. Actual results may vary because of market performance, taxes, fees, inflation, and timing. This is an educational projection, not investment advice.
Published the calculator with its formula, worked example, assumptions, limitations and a bespoke guide, and added an automated formula test suite covering it.
Tested the total across up to four holdings and the identification of the largest position by value.
Tested that the largest position never exceeds the total and that the holdings always sum back to it.
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