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Finance

Stock Average Calculator

Find your true cost basis across every buy — instantly.

Buy Lots

Results — AAPL

Avg Cost Basis$134.375per share across 3 lots
Total Shares30
Total Invested$4,031.25
Break-Even Price$134.375
Current Market Price$150.00
Current Market Value$4,500.00
Unrealized P&L$468.75 (+11.63%)

Unrealized Gain

$468.75

+11.63%

Lot Breakdown

#PriceSharesCostWeight
1$142.5010$1,425.00
35.3%
2$128.7515$1,931.25
47.9%
3$135.005$675.00
16.7%
Total$134.375avg30$4,031.25100%

How It Works

Average Cost Basis
Total amount invested divided by total shares purchased. This is your break-even price per share.
Cost Basis Formula
Avg Cost = (Σ Price × Shares) ÷ Σ Shares. Each lot is weighted by the number of shares bought.
Unrealized P&L
(Current Price − Avg Cost) × Total Shares. Positive means a gain; negative means a loss. 'Unrealized' because you haven't sold yet.
Dollar-Cost Averaging
Buying more shares when prices drop lowers your average cost basis, reducing how much the price must recover to break even.
About

The Stock Average Calculator helps investors find their true average cost basis after purchasing shares at different prices over time. Enter each buy lot — price per share and quantity — and instantly see your blended average cost, total invested, break-even price, and unrealized gain or loss based on the current market price. Essential for dollar-cost averaging strategies.

FAQ
How is average cost basis calculated?+

Average cost basis = total amount invested ÷ total shares purchased. For example, buying 10 shares at $140 and 20 shares at $130 gives a total cost of $4,000 and 30 shares, so your average cost is $133.33 per share.

What does break-even price mean?+

The break-even price is the average cost basis — the price per share at which you neither gain nor lose money if you sell. If the current price is above this, you're in profit; below it, you're at a loss.

Does averaging down always help?+

Buying more shares at a lower price reduces your average cost basis, meaning the stock needs less of a recovery to become profitable. However, averaging down concentrates more capital in a single position, which increases risk if the stock continues to fall.

What is unrealized P&L?+

Unrealized profit and loss is the gain or loss on shares you still hold, calculated as (current price − average cost) × total shares. It becomes 'realized' only when you sell. This calculator shows unrealized P&L when you enter a current market price.

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