Return Ledger

Return Ledger is a lightweight, browser-only ledger aimed at individual investors who want a rough sense of how a portfolio has performed. Rather than connecting to a broker, it asks you to record contributions, withdrawals and valuation checkpoints yourself, then approximates time-weighted and money-weighted returns from those entries.

The core workflow is manual data entry: create a ledger, add rows for transactions and valuations, and optionally load an example to see the expected format. Ledgers can be exported to CSV or imported back, and a separate alpha feature lets you upload a PDF confirmation from a bank or broker so an AI model proposes a single row for review before anything is saved.

Because everything is computed in the page and stored in the browser’s local storage, the site is best suited to privacy-conscious users who prefer not to hand account data to a portfolio service. It is a proof of concept, so expect rough edges rather than polished reporting or multi-device sync.

A practical approach is to start with the example ledger, keep your own records in CSV as a backup, and treat AI-extracted rows as drafts to check line by line against the original document. The site itself notes it is not financial or tax advice, so use the output as an estimate rather than an official performance figure.