Portfolio performance analysis for long-term IBKR investors
Your portfolio went up.That doesn’t meanyour stock-picking won.
PerfectPerf replays every deposit and withdrawal into the passive benchmark you choose, then compares that path with your reconstructed IBKR record.
One complete Audit per IBKR account. Choose your benchmark once—it stays locked. No IBKR password required.
Benchmark Audit / 01
Example portfolio
Portfolio +18.4%
Benchmark +21.1%
Portfolio +18.4%. Benchmark +21.1%. Active difference −2.7 percentage points: the benchmark finished 2.7 percentage points ahead of the portfolio after matching the same cash flows.
The false comfort
A return number is not a verdict.
A memorable winner, a broker percentage, or a simple index overlay cannot tell you whether your decisions added value. If the comparison ignores when money entered and left your account, you may carry the wrong lesson into your next investment.
Before your next allocation, know what your previous decisions actually achieved.
One answer, three levels of proof
Know the result. Then audit the reason.
See the fair comparison
Put your IBKR result beside what the same deposits and withdrawals would have produced in the benchmark you chose.
See where the difference came from
See which positions added or removed value—and how dividends, fees, and FX changed the result.
Trace the calculation
Open the assumptions, limitations, source reconciliation, and route to the headline result.
Mechanism before claims
Your investing history should be explainable.
You should not need a fragile spreadsheet—or blind trust in another dashboard—to understand years of decisions. PerfectPerf works from supported IBKR Flex data—a read-only activity export—reconstructs the relevant activity, and shows how the conclusion was reached.
Read-only data · Cash-flow-matched comparison · Reconciled activity · Disclosed methodology
A recurring investor conversation
The missing piece was never another price chart.
PerfectPerf began with a recurring conversation: serious investors could recall the purchase price, sale price, and dividends of individual stocks—but still could not say whether their complete investing history beat putting the same money into a major index. The missing piece was a fair counterfactual.
A bounded path to the answer
How it works
Choose the question
Select one eligible passive benchmark for your free Audit.
Provide your history
Submit supported IBKR Flex Query data—never your IBKR username or password.
Inspect the verdict
Receive one immutable Audit with performance, comparison, contribution highlights, and the reconciliation trail.
The complete first answer
One complete answer. Free.
Use one complete Audit per IBKR account to establish a trustworthy baseline against the passive path you could have taken.
Your benchmark is chosen once and permanently locked. The original Audit remains accessible, but it cannot be refreshed, rerun, or recalculated against another benchmark.
Initial eligible benchmarks
- S&P 500
- MSCI World
- Nasdaq-100
- Monetary P&L
The result in account currency, not only a percentage.
- TWR
Time-weighted return, separating performance from cash-flow timing.
- MWR / XIRR
Money-weighted return, reflecting when your capital was actually invested.
- Dividends, fees & FX
Income, costs, and currency effects shown as distinct drivers.
- Cash-flow-matched comparison
The same deposits and withdrawals replayed into the chosen benchmark.
- Top contributors & detractors
The positions that most helped or hurt the final difference.
- Methodology & reconciliation
Assumptions, limitations, source checks, and the route to the verdict.
Free means the bounded answer is complete—not a trial and not a stripped-down preview.
Start your free AuditThe report proves its route
See the answer—not another dashboard.
The verdict comes first. Every supporting view remains available to explain where it came from and what it cannot conclude.
Benchmark Audit / Example
Example portfolio
| Measure | Result | What it shows |
|---|---|---|
| Monetary P&L | +$28,640 | Portfolio result |
| Monetary benchmark difference | −$4,380 | Passive path finished ahead |
| TWR | +17.9% | Cash-flow neutral |
| MWR / XIRR | +18.4% | Investor experience |
| Passive benchmark | +21.1% | Same seven cash flows |
Active difference
−2.7 percentage pointsThe passive path finished ahead.- Dividends
- +$5,840
- Fees
- −$812
- FX effect
- +$1,106
Top contributors
Microsoft +4.2 pp · ASML +2.6 pp · LVMH +1.4 ppTop detractors
Alibaba −1.8 pp · Intel −1.1 ppThe paid continuation
PerfectPerf Annual
per year · per connected IBKR account
Your free Audit answers the first bounded question. Annual keeps that answer useful while your portfolio, cash flows, and decisions change.
Keep the verdict current
Unlimited automatic refresh from configured read-only Flex Queries, with an evolving history of the same account.
Change the question
Use flexible periods and benchmarks, change the benchmark, and run multiple comparisons as your decisions evolve.
Inspect every driver
See complete position and decision contribution, then export downloadable updated reports.
Fundamentals × valuation
See whether the business grew—or only the multiple changed.
Separate valuation change from growth in EPS, revenue per share, free cash flow, operating cash flow, and EBIT—alongside dividends, FX, and costs.
The boundary at a glance
Free gives you the verdict. Annual lets it evolve.
| Capability | Free Benchmark Audit | PerfectPerf Annual |
|---|---|---|
| Core verdict | One complete result | Kept current automatically |
| Benchmark | One benchmark, chosen once and locked | Change and compare multiple alternatives |
| Period | One immutable Audit period | Flexible analysis periods |
| Detail | Headline result, contributors, and reconciliation | Complete contribution and fundamentals attribution |
| Reports | Original Audit remains accessible | Downloadable updated reports |
| Price | Free once per IBKR account | $299/year per connected IBKR account |
Included with Annual
Three ways to make the evidence usable.
- Benchmark Fit Check
Confirm that the comparison answers the question you actually mean to ask.
- First Annual Report Walkthrough
Read the first deeper report with the logic and limits made explicit.
- Evidence-to-Decision Journal
Turn the finding into a record you can revisit before future allocations.
Reconciled-or-Refunded
The calculation is the promise.
If a supported first Annual analysis cannot reconcile IBKR activity within the disclosed tolerances or include the promised views, PerfectPerf will correct it within ten business days—or refund the Annual payment under the stated terms. This is a fulfillment promise, not a guarantee of investment performance.
Deliberately specific
Built for investors who want the uncomfortable answer too.
Best fit
Long-term, self-directed IBKR investors who select listed individual stocks from business fundamentals, have at least two years of meaningful history, and hold a genuine benchmark question.
Not designed for
Passive-only investors, day traders, options- or futures-led portfolios, advisers, other brokers, live tracking, tax filing, trade signals, or investment recommendations.
Disclosed by design
Trust the trail, not the branding.
PerfectPerf discloses how cash flows are classified, how benchmark units are replayed, which source activity reconciles, where assumptions or limits apply, and what the historical analysis cannot conclude.
PerfectPerf uses supported Flex Query data for read-only analysis and never requests an IBKR username, password, or trading access. The concept page currently accepts no IBKR data.
Offer and method boundaries
Questions worth answering.
Your next allocation deserves context
Stop guessing what your track record means.
Choose the passive alternative you could have taken and compare it with the decisions you actually made.
Start your free AuditOne complete Audit per IBKR account. No IBKR password required.