Return Ledger

Return Ledger is a portfolio return tracker that calculates time-weighted and money-weighted returns from AI-imported broker documents.

Return Ledger is a free portfolio tracker that computes approximated time-weighted and money-weighted returns. Users upload PDF documents like buy and sell confirmations, dividend notices, or position statements from banks and brokers. An AI model reads the document and proposes a row for the ledger, which requires user confirmation before being added. The tool computes TWR using the Modified Dietz method and chain-linking, and XIRR using Newton-Raphson with a bisection fallback. It is designed for individual investors who want to track investment performance and cost drag without manual data entry. The platform runs entirely in the browser and sends PDFs to Anthropic only for reading.

Return Ledger at a glance

Best for: Finance
Runs on: Web
Pricing: Free
Released: October 2026
Category: AI productivity tool
Website: returnledger.site

Key features

AI-powered PDF import for broker statements
Time-weighted return calculation
Money-weighted return (XIRR) calculation
Gross and net XIRR comparison
Contribution and withdrawal logging
Valuation checkpoint tracking
Cost drag analysis

Use it for

Track portfolio performance across multiple ledgers
Import broker statements automatically with AI
Analyze time-weighted versus money-weighted returns
Calculate the financial impact of fees and taxes

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