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Investment tracking: spreadsheet or service (+ template)

A free Excel investment tracking template: trades, deposits, dividends, positions, target weights and annual return XIRR. When a spreadsheet is enough and when a tracking service is easier.

发布日期2026年10月12日更新日期2026年10月13日作者Davinchu 团队阅读时间6 分钟

文章

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本文尚未翻译成您的语言——以下为该语言版本:英语。

In short. An Excel or Google Sheets spreadsheet works well while you have one broker, a dozen securities and are willing to type in trades and prices once a week. Once there are several brokers, crypto, monthly deposits and you want an honest return that accounts for those deposits, a service that pulls the data itself is more convenient. Below is a free investment tracking template and a comparison of the two approaches.

Download the investment tracking template (Excel, .xlsx) · Russian version

What investment tracking needs

  • Trades — date, ticker, quantity, price and fee of every buy and sell.
  • Cash movements — deposits and withdrawals, dividends, coupons, taxes and broker fees. Without deposits the return cannot be calculated: money you added is not profit.
  • Positions — how much of each security, at what average price, what it is worth now and what it earns.
  • Return that accounts for when the money went in — XIRR or TWR (the difference is explained in «Portfolio return with deposits»).
  • Target weights — to see what to buy and what to sell when rebalancing.

What is in the template

SheetWhat you enterWhat is calculated
Cashdeposits, withdrawals, dividends, coupons, taxes, feesthe effect on account cash, flows for XIRR
Tradesbuys and sells: date, ticker, quantity, price, feehow much cash each trade took or brought
Positionstickers, current price, target weightquantity, average buy price, invested, value, P&L, weight and the amount to target: «buy +» or «sell −»
Summary—securities value, cash, portfolio total, net invested, profit and annual return XIRR

The example inside: 13,000 deposited, 1,500 withdrawn, three securities and a dividend — a profit of 800 on 11,500 net invested, or 7.0%. XIRR is recalculated to today's date: as of 12 October 2026 the example shows 9.1% a year. Delete the rows marked «Example» and enter your own.

For the template to calculate correctly:

  • rows on the «Cash» sheet go one after another in date order: the first row must be the earliest, as the XIRR function requires (it works in Excel, Google Sheets and LibreOffice);
  • all amounts are in one portfolio currency;
  • the average price is over all buys of the ticker — after partial sells your broker may show it differently;
  • current prices are typed in by hand — the spreadsheet does not update them.

Spreadsheet or service

SpreadsheetTracking service
Trades and depositsyou type them in, mistakes includedcome from the broker or exchange
Pricesby hand or with formulas pulling from websitesupdate by themselves
Several brokers and currenciesa sheet per broker and currency conversionone portfolio in a base currency
ReturnXIRR with a formula; TWR is hard — it needs the value on the date of every depositTWR and XIRR, drawdown, volatility
Flexibilityany columns, any methodwhat the service supports
Costfree, but the time is yoursa free plan or a subscription

A spreadsheet wins on flexibility and full control; a service wins because data and prices arrive by themselves and the return is calculated correctly without manual work. Many people keep both: the service for the numbers, the spreadsheet for their own notes and plans.

How it works in Davinchu

  • Brokers: Interactive Brokers via Flex reports (updated once a day), T-Bank with a read-only token (every 15 minutes). Securities, cash, average price, deposits and withdrawals arrive by themselves — more in «Tracking stocks from Interactive Brokers and T-Bank».
  • Crypto: Bybit, Binance, OKX, BingX and HTX spot with a read-only key, plus manual entry and CSV upload for coins — «Crypto portfolio tracking».
  • Return: TWR from hourly snapshots, XIRR (from 30 days of history), drawdown, volatility, Sharpe and Sortino; BTC, ETH or 60/40 as a benchmark.
  • Targets and rebalancing: target weights and a rebalancing plan with a deviation threshold.
  • Sharing: a portfolio link and an «Investor report» PDF.

The «Investments» section is on every plan; a broker account takes one of the account slots — Free has two. More on «Davinchu for stock investors».

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