Hello all, This is my first post after reading here for a couple of months, I'd like to tell you I enjoy this forum very much. Sorry if my english is messed up, specially with financial lingo, it's not my mothers language. On to my question. I'd like to have an excel function or vba code that will calculate the % of my gains or losses over a years long, giving several deposits and withdraws (with there date) and the current value of my account. For example, if I deposited 10K at the beginning of the year, then deposit 10K more at half year, then withdraw 5K at 3/4 or the year, I think I'll need this functions to calculate what is the % of gain or loss: 10R^1+10R^0.5-5R^0.25=M M=current portfolio+cash value So I need a function to calculate this for as many deposit/withdraw I'd like, but I'd settle for a way to calculate the example above.