Measuring performance is essential when investing: you can't improve what you don't measure.
Understanding your P&L
What it is
Your P&L is the difference between your buying price per unit (or unit cost) and the current price at a given time. This calculation ignores deposits and withdrawals, and is only done when a buying price is known.
Formula: (Current price − Buying price per unit) × quantity = Unrealized gain/loss
Example: an LVMH share bought at €100 and now worth €800 shows an unrealized gain of €700.
Where to see it
across your portfolio and for each account, on the Portfolio page;
for an asset, in the Overview tab ("Total P&L");
for each holding, in the Holdings tab ("P&L" column).
Which assets
P&L is calculated for investments: Stocks & Funds, Real estate, Crypto, Startups, Precious metals and Other assets. It isn't calculated for: Bank accounts, Loans, Credit cards, Fonds Euros, Savings accounts (Livrets) and Crowdlending.
ℹ️ For savings accounts, we have no way to separate interest from contributions, so we don't show their performance.
By period
Over the ALL period, we show your total P&L since purchase. If you select a shorter period (for example 1Y or YTD), we calculate the change in your P&L over that period.
ℹ️ If you pick a period (for example YTD) and the asset wasn't on Finary yet at the start of that period, we show its P&L versus the buying price.
My P&L looks wrong or different
It doesn't track my portfolio's growth
Your portfolio graph moves with your deposits, withdrawals, newly synced accounts and manual additions, on top of market moves. Your P&L only measures the change in your assets' value (the unrealized gain or loss), regardless of the money you add or withdraw. So a sharp rise in the graph can go with a small P&L, and vice versa (vertical steps on the graph usually correspond to an addition).
The buying price is missing on a synced account
If your institution doesn't send the buying price, we use the asset's value at the time it was added. Enter your buying price to get an accurate P&L: see "Editing an asset's buying price".
Note: editing the buying price adjusts your total P&L, but can temporarily distort the performance shown over short periods (1M, 1Y…). Over the ALL period, your P&L stays correct.
ℹ️ We can't calculate the unit cost for crypto exchanges (Binance, Coinbase, Kraken, Bitpanda) or Wallets: you'll need to add it manually.
The asset is in a foreign currency
For an asset in a foreign currency (e.g. Tesla in USD), we don't know the purchase date, so we can't apply that day's exchange rate.
An account was disconnected or the history was cleaned
A temporary disconnection can distort performance over intermediate periods (the value stays correct over "ALL"). The Clean my graph feature hides the visual jumps on the graph, but doesn't recalculate period performance.
It differs from my broker, or after a sale
The performance shown is always the unrealized P&L. A sale with a gain creates a realized gain, which currently isn't taken into account (technical reasons related to syncing). There can therefore be differences between Finary and your life insurance or broker.
💡 Good to know: taking realized gains into account is among the improvements we're actively working on.