Total Money counter

Money Counter

Enter the number of each bill and coin:

$100:

$50:

$20:

$10:

$5:

$1:

50 ¢:

25 ¢:

10 ¢:

5 ¢:

1 ¢:

A Total Money Counter (or Investment Summary Calculator) helps investors track their total contributions, gains, and overall portfolio value over time. It provides a clear breakdown of how much money was invested vs. how much was earned through capital appreciation and dividends.

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1. Key Components of a Total Money Counter

This calculator tracks three main metrics:

1. Total Invested Capital – Sum of all money deposited into investments.

2. Total Current Value – Present worth of the portfolio.

3. Total Profit/Loss – Difference between current value and invested capital.

Additional Metrics (Optional)

• Absolute Return (%) – Total percentage gain/loss.

• Annualized Return (%) – Compounded yearly growth rate.

• Dividends Earned – Total income from dividends (if applicable).

• Tax-Adjusted Profit – Net profit after capital gains tax.

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2. Formula & Calculation

Basic Formula

$$\text{Total Profit}=\text{Current Portfolio Value}-\text{Total Invested Capital}$$$$\text{Absolute Return (\%)}=\left(\frac{\text{Total Profit}}{\text{Total Invested Capital}}\right)\times 100$$

Example Calculation

Input	Value
Initial Investment	$10,000
Monthly Contributions	$500
Investment Duration	5 years
Current Portfolio Value	$50,000

Calculations:

1. Total Invested Capital
   $=\mathrm{\$}10,000+(\mathrm{\$}500\times 12\times 5)=\mathrm{\$}10,000+\mathrm{\$}30,000=\mathrm{\$}40,000$

2. Total Profit
   $=\mathrm{\$}50,000-\mathrm{\$}40,000=\mathrm{\$}10,000$

3. Absolute Return (%)
   $=(\mathrm{\$}10,000\mathrm{/}\mathrm{\$}40,000)\times 100=25\mathrm{\%}$

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3. Advanced Metrics (Optional)

A. Annualized Return (CAGR)

Measures average yearly growth rate.

$$\text{CAGR}={\left(\frac{\text{Final Value}}{\text{Initial Investment}}\right)}^{\frac{1}{n}}-1$$

(Where $n$ = number of years)

Example:
If an investment grows from $10,000 → $50,000 in 5 years:

$$\text{CAGR}={\left(\frac{50,000}{10,000}\right)}^{\frac{1}{5}}-1\approx 0.3797\text{ or }37.97\mathrm{\%}$$

B. Dividend-Adjusted Return

If dividends were reinvested, they should be included in the total return.

C. Inflation-Adjusted (Real Return)

Subtracts inflation to show true purchasing power.

$$\text{Real Return}=\frac{1+\text{Nominal Return}}{1+\text{Inflation Rate}}-1$$

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4. Practical Use Cases

✅ Tracking Portfolio Growth – See how much was invested vs. earned.
✅ Comparing Strategies – Lump-sum vs. DCA (Dollar-Cost Averaging).
✅ Tax Planning – Estimates capital gains tax liability.
✅ Performance Benchmarking – Compare returns against S&P 500.