Year to Date Explained: What Your Net Worth Change Really Contains

The One-Sentence Definition

Year to date is your total net worth today minus its value at the last market close of last year (December 31).

Net worth itself carries the Net worth badge: it is wallet cash + portfolio market value + broker cash, minus debt. So the year-to-date figure moves whenever any of those four parts moves - for any reason.

A Change, Not a Gain

This is the single most important thing to understand: net worth grows two ways.

A year with flat markets and strong savings still grows your net worth. A year of great returns while you spend every paycheck grows it too. Year to date includes both on purpose, because it measures your wealth, not your skill.

The Breakdown, Row by Row

Hover the small info icon on the Year to date figure and Turbobulls shows your personal breakdown - a short table whose rows always sum exactly to the headline. Here is what each row means.

Earned · Total gain (Portfolio, YTD)

Exactly the Total gain the Portfolio page shows with a Year to Date date filter applied: realized and unrealized capital gains, currency gains on your positions, dividends, and broker-level income and expenses (interest, rebates, account fees), minus trading fees and taxes. The two figures match to the unit - if you open the Portfolio page and filter it, you will see this same number.

Saved · Income − Expenses (Wallet, YTD)

What your wallet kept this year: the Wallet page's Income minus Expenses under the same filter. It is also equal to the wallet's Cashflow tile with Brokerage Transfers added back - Cashflow subtracts money you moved to brokers, but that money never left your net worth.

Added directly at brokers

Deposits that arrived in a broker account without passing through any tracked wallet account - an employer paying into the broker, an unlinked bank account, funding recorded before you started tracking its source. From the app's point of view this is new money entering the system, exactly like salary landing in the wallet: part of the net worth change, but never called a gain. FX movement on that cash rides along in this row.

FX on wallet cash

If you hold wallet cash in more than one currency, exchange rates change its value even when no transaction happens. This row is the wallet balance movement your recorded income, expenses and transfers cannot explain - pure revaluation. Single-currency wallets never see it.

FX on broker cash & income timing

The same idea for cash sitting at your brokers. Total gain tracks your positions - including their currency gains - but once a dividend is paid or a position is sold, the result is cash, and cash is not a position. Its ongoing revaluation lands here, together with a subtle timing effect: a dividend enters Total gain at its pay-date exchange rate, while the cash it left behind is worth whatever today's rate says.

Debt change

The change in your debt balance over the year. Paying debt down helps this row; new borrowing works against it.

Where are brokerage transfers?

Nowhere - on purpose. Money moved from your wallet to a broker is subtracted on the wallet side and arrives on the broker side, so the two legs cancel exactly. Showing them would only invite adding them again.

Check It Yourself, On Paper

For the Math Curious: The Conventions That Make the Numbers Agree

Sold positions add only this year's part to Total gain. Suppose you bought a share in 2024 at 50, it closed last year at 70, and you sold it in March at 75. Under a Year to Date filter, Total gain counts +5 for that share, not +25 - the other +20 was already inside last year's closing net worth, and counting it again would double-count across years. The presentation follows the standard fund-report convention: the Realized gain line shows the full +25 since purchase (the profit that actually materialized - the figure broker and tax statements show), while Unrealized gain carries an offsetting -20, because the gain the share had been carrying stopped being unrealized the moment it was sold. Realized plus unrealized still equals the period's +5, each tile's popover shows the split, and positions bought and sold inside the same year simply count from their purchase price.

Broker-level income is an earning. Interest, rebates and account fees recorded as broker income or expense transactions are part of Total gain - and shown as their own line ("Broker income & expenses") on the Portfolio page's Returns view, so dividend income stays cleanly separate.

Every unit sits in exactly one row. The rows are built so nothing is counted twice: transfers cancel, broker income lives in Earned and not in the deposits row, and the FX rows carry only what no other figure measures. That is what makes the pencil-and-paper sum land on the headline exactly.

If your data starts mid-year, the change is measured from your first recorded day instead of December 31 - a portfolio born in March genuinely did start there. And under a historical date filter the Year to date cell hides rather than mislabel a filtered range as "this year".

The Year to date breakdown is computed automatically on your Overview. See your breakdown →