Stock average cost calculator (P&L and position size)

Calculate your average cost per share across several buys, unrealized profit and return, and the position size for your risk and stop loss.

Atualizado 28 de setembro de 2026Exemplos verificados: 4

Unrealized profit or loss

Casas decimais: 2; Ao mais próximo; empates para o dígito par

Return on cost: 13.14%
Average cost per share (with fees): $41.63
Shares held: 175
Total cost: $7,285.00
Market value: $8,242.50
Amount at risk: $250.00
Shares to buy for this risk: 96
Position cost at entry: $4,521.60
Reward-to-risk ratio: 2.65: 1

You hold 175 shares at an average $41.63; at $47.10 that is a gain of $957.50 (13.14%). Risking $250.00 with a stop at $44.50 allows 96 shares, and the target pays 2.65 times that risk.

What you paid and what it's worth

Trade plan

Sized position: loss at stop and gain at target

Buys Linhas: 3

Buy	Shares	Price	Cost	Shares held	Average price so far
1	100	$42.50	$4,250.00	100	$42.50
2	50	$38.20	$1,910.00	150	$41.07
3	25	$45.00	$1,125.00	175	$41.63

Como é calculado S

Average cost
$\bar p = \frac{7{,}285.00 + 0.00}{175} = 41.6286$
Profit or loss
$175 \times 47.1 - 7{,}285.00 = 957.50\quad (13.14\%)$
Risk budget
$25{,}000 \times 1\% = 250.00$
Shares for this risk
$\left\lfloor \frac{250.00}{|47.1 - 44.5|} \right\rfloor = \left\lfloor 96.1538 \right\rfloor = 96$
Rounded down so the loss at the stop stays within the budget. Gaps through the stop can lose more.
Reward to risk
$\frac{6.9}{2.6} = 2.6538$

Sobre Stock average cost calculator (P&L and position size)

Average cost is the total paid for all your buys, fees included, divided by the number of shares held. Unrealized profit or loss is the shares times the current price minus that total cost. For a new trade, position sizing starts from risk: the amount you are willing to lose (account size × risk per trade) divided by the gap between entry and stop loss gives the number of shares, rounded down.

With the defaults, buys of 100 shares at 42.50, 50 at 38.20 and 25 at 45.00 cost 7,285, an average of 41.63 a share. At 47.10 the 175 shares are worth 8,242.50, a gain of 957.50 or 13.14%. Risking 1% of a 25,000 account, 250, with an entry at 47.10 and a stop at 44.50 allows 96 shares, and a target of 54.00 offers 2.65 times the risk.

The stop is assumed to fill at its price; a gap through the stop makes the loss larger. Taxes are not included.

Exemplos resolvidos

Three buys and a 1% risk plan

Buys (shares and price, one per line): 100 42.50 50 38.20 25 45.00
Fees and commissions (total): 0
Current price: 47.10
Account size: 25,000
Risk per trade: 1%
Planned entry price: 47.10
Stop-loss price: 44.50
Target price: 54.00

Average cost per share (with fees): 41.63
Unrealized profit or loss: 957.50
Return on cost: 13.14%
Shares to buy for this risk: 96
Amount at risk: 250.00
Reward-to-risk ratio: 2.65 : 1

Fonte de verificação: Python decimal script: 7285/175 = 41.628571; 175 × 47.10 − 7285 = 957.50; floor(250/2.60) = 96; 6.90/2.60 = 2.653846

Fees raise the cost basis

Buys (shares and price, one per line): 10 100
Fees and commissions (total): 10
Current price: 90
Account size: 25,000
Risk per trade: 1%
Planned entry price: 47.10
Stop-loss price: 44.50
Target price: 54.00

Average cost per share (with fees): 101.00
Unrealized profit or loss: -110.00
Return on cost: -10.89%

Fonte de verificação: (10 × 100 + 10)/10 = 101; 900 − 1010 = −110; −110/1010 = −10.891089% (hand calculation, Python decimal)

Short trade with the stop above entry

Buys (shares and price, one per line): 100 42.50
Fees and commissions (total): 0
Current price: 47.10
Account size: 10,000
Risk per trade: 2%
Planned entry price: 50
Stop-loss price: 52
Target price: 44

Shares to buy for this risk: 100
Reward-to-risk ratio: 3.00 : 1
Position cost at entry: 5,000.00

Fonte de verificação: Budget 200 / risk 2 per share = 100 shares; reward 6 / risk 2 = 3 (hand calculation)

Share count rounds down

Buys (shares and price, one per line): 100 42.50
Fees and commissions (total): 0
Current price: 47.10
Account size: 10,000
Risk per trade: 1.5%
Planned entry price: 23.40
Stop-loss price: 21.75
Target price: 28

Shares to buy for this risk: 90
Reward-to-risk ratio: 2.79 : 1
Position cost at entry: 2,106.00

Fonte de verificação: 150 / 1.65 = 90.9 → 90 shares (floor); 4.60/1.65 = 2.787879 (Python decimal)

Perguntas

How do you calculate the average cost of a stock?

Add up what each buy cost, including fees, and divide by the total number of shares. For 100 shares at 42.50, 50 at 38.20 and 25 at 45.00, the cost is 4,250 + 1,910 + 1,125 = 7,285 for 175 shares, an average of 41.63. The position breaks even when the price returns to that average, plus any selling costs.

How does averaging down lower my break-even price?

Buying more shares below your average cost pulls the average down. Holding 100 shares bought at 42.50, adding 50 at 38.20 lowers the average to (4,250 + 1,910) ÷ 150 = 41.07, so the stock needs to recover only to 41.07 instead of 42.50. It also increases the amount you lose if the price keeps falling.

How many shares should I buy for my risk per trade?

Divide the amount you are willing to lose by the risk per share, the distance from entry to stop loss, and round down. Risking 1% of 25,000 is 250; with an entry at 47.10 and a stop at 44.50 the risk per share is 2.60, so 250 ÷ 2.60 = 96.15 gives 96 shares and a loss of 249.60 if the stop is hit.

What is a good reward-to-risk ratio?

It depends on how often your trades win. The ratio is (target − entry) ÷ (entry − stop): 6.90 ÷ 2.60 = 2.65 for the defaults. At 2.65 to 1, winning more than 1 ÷ (1 + 2.65) = 27.4% of trades covers the losses, before costs; at 1 to 1 you need to win more than half.

Is average cost the same as cost basis for US taxes?

Not for individual stocks. Under IRS Publication 550, if you do not identify which shares you sold, the first shares bought are treated as sold first (FIFO); the average-basis method is allowed for mutual fund shares and dividend reinvestment plans. Gains on shares held more than one year are long-term, and a loss is disallowed as a wash sale if you buy the same stock within 30 days before or after selling.

Qual é a precisão de “Stock average cost calculator (P&L and position size)”?

A precisão depende dos dados inseridos e das hipóteses do método. O cálculo decimal usa 50 algarismos significativos, mas estimativas, métodos numéricos e dados de origem podem ter menor precisão; o arredondamento exibido não elimina essas limitações. Exemplos resolvidos verificados com fontes independentes: 4. Por exemplo, “Three buys and a 1% risk plan” é verificado com Python decimal script: 7285/175 = 41.628571; 175 × 47.10 − 7285 = 957.50; floor(250/2.60) = 96; 6.90/2.60 = 2.653846.

De onde vem o método?

Van Tharp — Trade Your Way to Financial Freedom, ch. 14 (position sizing); FINRA — Understanding cost basis.

Sobre esta calculadora

\bar p = \frac{\sum s_i p_i + \text{fees}}{\sum s_i},\quad \text{shares} = \left\lfloor \frac{\text{account} \times \text{risk\%}}{|\text{entry} - \text{stop}|} \right\rfloor,\quad \frac{R}{R} = \frac{|\text{target} - \text{entry}|}{|\text{entry} - \text{stop}|}

Fontes

Van Tharp — Trade Your Way to Financial Freedom, ch. 14 (position sizing)
FINRA — Understanding cost basis

Apenas para planejamento. Credores, autoridades fiscais e mercados aplicam seus próprios arredondamentos, tarifas e regras; confirme os valores com eles antes de assumir um compromisso.

Verificado com as referências

Esta calculadora inclui 4 exemplos resolvidos com respostas de fontes independentes. Eles fazem parte do conjunto de testes e você também pode executá-los aqui.

What you paid and what it's worth

Trade plan

Sized position: loss at stop and gain at target

Average cost

Profit or loss

Risk budget

Shares for this risk

Reward to risk