FX-Adjusted Investment Return Calculator
Enter buy and sell values in the asset currency plus the exchange rate at each point to calculate asset return, FX change, and return in your home currency. No live FX data, tax rules, or broker costs are assumed.
Use the FX-Adjusted Investment Return Calculator to separate an investment result into the asset-price move and the exchange-rate move. Enter the buy and sell values in the asset currency and the exchange rate at each point, expressed as home-currency units per one unit of the asset currency. The tool then shows the asset return, FX-rate change, and the combined return in your home currency. It does not use live market data or assume any country-specific tax or broker rule.
How to use the FX-adjusted return calculator
- Enter the total buy value in the asset currency.
- Enter the total sell value in the same asset currency.
- Enter the buy and sell FX rates as home-currency units per one unit of the asset currency.
- Compare the asset return, FX change, home-currency values, profit or loss, and combined FX-adjusted return.
How the FX-adjusted calculation works
Asset return = (sell value − buy value) ÷ buy value × 100. This isolates the investment move in the asset currency.
FX change = (sell FX rate − buy FX rate) ÷ buy FX rate × 100. A positive number means one unit of the asset currency converts into more home currency at the sell point.
Initial home-currency value = buy value × buy FX rate. Final home-currency value = sell value × sell FX rate.
FX-adjusted return = (final home value − initial home value) ÷ initial home value × 100. The combined effect is multiplicative, so it is not generally equal to simply adding the asset-return percentage and the FX-change percentage.
Privacy, scope, and investment notice
All inputs are processed locally in your browser. The calculator uses only the values you enter and does not retrieve live exchange rates. Use the same asset currency for the buy and sell values, and use the same quote convention for both FX rates: home-currency units per one unit of asset currency. Fees, taxes, spreads, conversion charges, dividends, financing costs, and actual execution differences are excluded. This is arithmetic, not investment advice.
FX-adjusted investment return FAQ
Can I use this for any country?
Yes. The arithmetic is country-neutral as long as you enter both FX rates using the same quote convention.
What exchange-rate format should I use?
Enter how many units of your home currency equal one unit of the asset currency, such as 1 USD = 1,350 KRW.
Can I use this for overseas stocks?
Yes. It can be used for stocks, ETFs, funds, or other foreign-currency assets when you know the relevant values and exchange rates.
Does it download live exchange rates?
No. You enter both rates yourself.
Why is the combined return not just asset return plus FX change?
Because the final home-currency value multiplies the asset value by the FX rate, so the two effects compound.
Are fees or taxes included?
No. They are excluded.
Does it include currency-conversion fees?
No. Enter net values separately if you want those costs reflected indirectly.
Can the asset rise while my home-currency return falls?
Yes. An adverse FX move can offset some or all of the asset gain.
Are my values uploaded?
No. The calculation runs in your browser.