Calculator explanation
Crypto portfolios are often spread across multiple exchanges and wallets, and the numbers you care about can change quickly.
This page is designed as a practical “snapshot” tool: you enter what you currently hold and the prices you want to evaluate,
and the calculator summarizes your portfolio in a consistent way.
The model is intentionally simple and transparent. For each holding you provide:
(1) a name (any label you recognize), (2) a quantity, (3) a purchase price (your average cost per coin/token for the amount you still hold),
and (4) a current price (the market price you want to compare against). The calculator then totals your cost basis and current value and reports
the difference as an unrealized gain or loss.
Key terms (plain-language definitions)
If you are new to portfolio tracking, these definitions help you interpret the results correctly. They also explain why two people can look at the
same portfolio and describe it differently depending on what they measure.
- Quantity: the number of coins/tokens you currently hold. If you have 0.125 BTC, enter 0.125.
- Purchase price (average cost): the average price you paid per coin/token for the portion you still hold. If you bought in multiple lots, you can compute a weighted average.
- Cost basis (total invested): quantity × purchase price. This is the baseline used to compute unrealized gain/loss.
- Current price: the price per coin/token you want to evaluate right now. You can use an exchange price, an index price, or a conservative estimate.
- Current value: quantity × current price. This is what your holdings are worth at the price you entered.
- Unrealized gain/loss: current value − cost basis. “Unrealized” means you have not sold; it is a paper gain/loss.
- Return percentage: unrealized gain/loss divided by cost basis, expressed as a percent.
- Allocation: each asset’s share of the portfolio’s total current value. Allocation helps you see concentration risk.
What you can calculate on this page
- Total invested (cost basis): the amount you originally paid for the coins you still hold (based on your inputs).
- Current value: what those coins are worth at the current price you enter.
- Unrealized gain/loss: current value minus cost basis (not including fees/taxes).
- Return percentage: unrealized gain/loss divided by total invested.
- Allocation by asset: each holding’s share of total current value.
- Portfolio health score: a simple ratio of current value to invested value, mapped to a label.
How to use the tracker (step-by-step)
- Add holdings: click “+ Add Holding” to create one row per asset you want to track.
- Enter your data: fill in asset name, quantity, purchase price, and current price. All fields are required for calculation.
- Check the summary: “Total Holdings” counts rows; “Portfolio Value” updates based on quantity × current price.
- Calculate: click “Calculate Gains/Losses” to generate totals and a per-asset breakdown.
- Download CSV: use the download button to save a snapshot you can paste into a spreadsheet or share with an accountant.
Practical tip: If you want to compare scenarios (for example, “What if BTC goes to $60k?”), keep quantity and purchase price the same and only change the current price.
Run the calculator again and compare the totals.
Inputs and how to choose them
Each row represents one asset (for example, Bitcoin, Ethereum, SOL, or a stablecoin). For best results, use consistent units and a consistent definition of “purchase price.”
If you track your portfolio across multiple platforms, it helps to decide whether your purchase price includes fees and spreads. This calculator does not add fees automatically,
so you can either (a) ignore fees for a quick estimate, or (b) bake fees into your average purchase price.
- Asset name: any label you recognize (e.g., “BTC”, “Bitcoin”, “ETH”). The label is used in the breakdown and CSV export.
- Quantity: the number of coins/tokens you currently hold. Use up to 8 decimals if needed (common for BTC-like assets).
- Purchase price ($): your average cost per coin/token for the amount you still hold. If you bought in multiple lots, compute a weighted average cost basis.
- Current price ($): the latest market price per coin/token. You can paste from an exchange or price site.
If you are unsure about a value, run two scenarios: a conservative price and an optimistic price. The difference between those results is often more useful than a single point estimate.
Also note that stablecoins can be included like any other asset; they often show near-zero gain/loss, which can help you see how much of your portfolio is in lower-volatility holdings.
Formulas used (exactly what the calculator computes)
For each holding i:
- Cost basis:
invested_i = quantity_i × purchasePrice_i
- Current value:
currentValue_i = quantity_i × currentPrice_i
- Unrealized gain/loss:
gain_i = currentValue_i − invested_i
- Return %:
gainPct_i = invested_i > 0 ? (gain_i / invested_i) × 100 : 0
- Allocation %:
allocation_i = totalCurrent > 0 ? (currentValue_i / totalCurrent) × 100 : 0
Portfolio totals:
totalInvested = Σ invested_itotalCurrent = Σ currentValue_iunrealized = totalCurrent − totalInvestedunrealizedPct = totalInvested > 0 ? (unrealized / totalInvested) × 100 : 0healthScore = totalInvested > 0 ? totalCurrent / totalInvested : 1
The calculator displays currency values in USD formatting for readability. If you prefer another currency, you can still use the tool by entering prices in that currency consistently.
The math is the same; only the currency symbol in the interface remains “$”.
Worked example (with realistic numbers)
Suppose you hold two assets and want a quick snapshot:
- Bitcoin: quantity 0.50, purchase price $30,000, current price $45,000
- Ethereum: quantity 2.00, purchase price $1,800, current price $2,400
The calculator computes:
- BTC invested = 0.50 × 30,000 = $15,000; BTC current = 0.50 × 45,000 = $22,500; BTC gain = $7,500
- ETH invested = 2.00 × 1,800 = $3,600; ETH current = 2.00 × 2,400 = $4,800; ETH gain = $1,200
- Total invested = $18,600; Total current = $27,300; Unrealized gain = $8,700
- Return % = 8,700 / 18,600 ≈ 46.77%
This is an unrealized snapshot. If you sold any portion, paid trading fees, or moved coins between wallets, your realized P&L and tax reporting may differ.
Scenario testing: a quick sensitivity check
One of the most useful ways to use a portfolio tracker is to test “what-if” price scenarios. For example, keep your quantities and purchase prices fixed and change only the current price.
This helps you understand which assets drive most of your portfolio’s volatility.
Continuing the example above, if BTC’s current price changes while ETH stays the same, your total current value and unrealized gain will move significantly because BTC is a large portion of the portfolio.
If you see that one asset dominates your allocation, you may decide to rebalance, hedge, or simply accept the concentration as part of your strategy.
How to interpret the “Portfolio Health Score”
The health score is the ratio totalCurrent / totalInvested. A value of 1.00 means you are at breakeven.
The label is a quick heuristic intended for at-a-glance review rather than precise risk management.
- Excellent: gains greater than 15% (health score > 1.15)
- Good: gains between 5% and 15% (health score > 1.05)
- Stable: within about ±5% of breakeven (health score > 0.95)
- Caution: losses between 5% and 15% (health score > 0.85)
- High Risk: losses greater than 15% (health score ≤ 0.85)
If you want a more nuanced view, consider tracking additional metrics outside this page, such as time-weighted returns, realized gains, cash flows, and exposure by sector.
This calculator is best used as a quick, repeatable snapshot.
Assumptions and limitations (important)
- Unrealized only: this tool does not calculate realized gains/losses from sales.
- No fees or taxes: exchange fees, spreads, gas fees, and taxes are not included.
- Average cost basis: you provide the purchase price; the calculator does not compute FIFO/LIFO or lot-level accounting.
- Price accuracy: results are only as accurate as the current prices you enter.
- Rounding: displayed values are rounded for readability; small differences are normal.
- Not financial advice: this page is for informational purposes and personal record-keeping.
Data and privacy note
All calculations run in your browser. Your holdings are not sent anywhere by this page.
If you download the CSV, it is saved locally by your browser like any other file download.
FAQ (quick answers)
Can I track stablecoins or cash-like positions?
Yes. Add a row for the stablecoin (for example, “USDC”) and enter quantity and prices. If your purchase price and current price are both near $1.00,
the unrealized gain/loss will be near zero, and the allocation will show how much of your portfolio is in that position.
What if I transferred coins between wallets or exchanges?
Transfers do not change your cost basis by themselves, but they can make record-keeping harder. This calculator assumes you already know your current quantity and average purchase price.
If you are unsure, reconcile your holdings first using your exchange history or wallet records.
Does the tracker support negative quantities (short positions)?
No. Inputs are restricted to non-negative values. The tool is intended for spot holdings you own. If you trade derivatives or margin, you will need a different model.
How often should I update my portfolio snapshot?
Many users do a weekly or monthly snapshot. Active traders may prefer daily snapshots. The best cadence is the one you can maintain consistently without turning tracking into a burden.
Consistency matters more than frequency for long-term review.