How we calculate P/L
Why your profit and loss may look different here than in other trackers — especially for foreign-currency assets.
Profit and loss looks simple: current value minus what I paid. In multi-currency portfolios it gets subtle fast. Here's exactly what we do.
The basic formula
For each asset:
buyValue = amount × avgBuyPricecurrentValue = amount × currentPriceP/L = currentValue − buyValueP/L % = (P/L ÷ buyValue) × 100
The foreign-currency twist
Say you bought US stock for $1000 when the rate was 4.00 PLN/USD. Your buy value in PLN was 4000 zł. The stock hasn't moved, but today's rate is 4.10 PLN/USD — the position is now worth 4100 zł. Did you make money?
Most tools would say "no change" because the stock didn't move. We say "yes, you're up 100 zł" — because from the perspective of your PLN net worth, you are.
We do this by storing the exchange rate at the moment of purchase alongside the asset (buyValueExchangeRate). buyValue in your portfolio currency uses that historical rate. currentValue uses today's rate. The gap is real FX P/L, and it shows up in your totals.
What this means in practice
- P/L in your portfolio currency includes both price movement and currency movement
- To see pure asset performance, filter by the asset's native currency — everything converts at a flat rate and FX disappears
- Historical snapshots (the performance chart) use each day's rate, so the curve reflects both forces over time