Personal Return Calculator

Browser-local TWR/XIRR with AI statement import—no data uploads

Problem

Individual investors want to know their true portfolio return (net of fees and taxes), which requires logging every transaction and computing TWR/XIRR. Existing tools often require accounts and data uploads, or only handle stocks and not mixed assets like rental property. Some end up building their own local tool.

Solution

A single-page web app storing data only in browser localStorage: users enter transactions manually or import them from PDFs/screenshots via AI, and it computes TWR and XIRR with gross/net-of-fee and after-tax views. It supports mixed asset classes including stocks, funds, and rental property, with report export.

Users

Privacy-conscious individual investors with multiple accounts and mixed assets

MVP

Manual transaction entry; local TWR and XIRR calculation; multiple asset classes; AI import from PDF statements; export CSV/PDF

Revenue

Free basic calculations; one-time or subscription for AI import credits, advanced multi-asset reports, and data backup

Why now

Investors increasingly care about privacy and true returns, and AI document parsing makes transaction import feasible; an indie can ship a pure client-side solution fast