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On a monthly basis, the formula is:

100*(Amt_at_end_of_month - Amt_at_beginning_of_month + Amt_withdrawn - Amt_deposited)/Amt_at_beginning_of_month

However, there is obviously a time distortion, depending on when you made deposits or withdrawals.

The *right* way to do it is to apply that formula on a daily basis. This gives you the daily return. Then you can accumulate this on a daily basis to get your return over any period of time.

But just don't forget to update your spreadsheet every day!

That is a bit too much even for me.
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