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URL:  http://boards.fool.com/just-to-clarify-are-you-sure-your-statements-30254479.aspx

Subject:  Re: Finding a good calculator Date:  9/10/2012  3:46 PM
Author:  Hawkwin Number:  24936 of 25318

Just to clarify, are you sure your statements don't show performance net of expenses?

I can honestly say that I have never seen a 401k statement that reported gross performance before fees.

The true (net) rate of return in the most simple form would be your starting balance, plus contributions (your statements should reflect this by position), subtracted from the final value, then solve for percent change. If you wanted something more specific, you would need to enter the purchase price and shares for all additions and then calcuate their individual performance, then average the whole proportionally. All that is rather complicated and I am not sure if it would be worth your time. That being said, here are a few resources that come close to simplifying it.

http://www.pine-grove.com/online-calculators/roi-calculator....
http://www.mymoneyblog.com/estimate-your-portfolios-rate-of-...
Also search for Excel XIRR

Lastly, some statements (and companies) will calculate all this for you. You might try contacting the firm that manages your 401k. What you want to ask for is your "personalized" rate of return.
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