Frequently asked questions

Pick a stock, pick a past date, pick an amount. Our server fetches the actual historical price series from EODHD (with Yahoo Finance as a backup), then replays the timeline day-by-day: the initial purchase, any recurring contributions, and any dividend reinvestments. The result is the total share count, current value, gain, and CAGR — exactly what would have happened if you'd actually placed those buys back then.

All math uses adjusted closing prices, which means stock splits and dividend distributions are baked in. This is what makes a 2013 Apple buy correctly show ~22× growth today instead of breaking when AAPL split 7-for-1 in 2014.

US, UK, Hong Kong, Japan, Germany, France, and most major global exchanges work out of the box with full multi-decade history. Saudi Tadawul, UAE ADX, and UAE DFM also work — though for some smaller GCC names dividend history can be incomplete (we flag this with a badge when it happens).

ETFs are fully supported — try SPY (S&P 500), QQQ (Nasdaq 100), GLD (Gold), or VTI (Total US Market). Crypto isn't supported yet — our data providers focus on stocks and ETFs. Bitcoin is on the roadmap as a benchmark overlay only.

DRIP = Dividend Re-Investment Plan. When the toggle is on, any dividends a stock pays are assumed to be automatically used to buy more shares at the next trading day's price. When off, dividends accumulate as cash on the side. The default is ON because that's how most long-term holders actually invest.

The chart's "invested" line counts only NEW money you put in (initial + recurring contributions). It does not count dividends that were reinvested — those are baked into the price growth instead. The gap between the two lines is your actual gain, not inflated by reinvested cash.

Stock prices and fundamentals: EODHD (paid, accurate) is the primary source. Yahoo Finance is the automatic fallback for symbols EODHD doesn't cover.

Foreign exchange rates: Frankfurter.app — free, no key, based on European Central Bank reference rates with history back to 1999.

Company logos: EODHD's CDN for stocks they host, Google's favicon service for everything else. "What can I buy?" item photos come from Wikipedia's REST API.

Live US, UK, EU and Asia stock data is generally accurate to within a fraction of a percent — we use the same EODHD feed that professional trading platforms use. Returns should match a major broker's quoted historical performance within rounding error.

Dividends for smaller GCC stocks can have gaps. When we detect partial coverage we flag the result with a "Partial dividend data" badge. When a symbol falls back to our synthetic mock data, the badge reads "Demo data" — never trust those numbers as real history.

We use adjusted closing prices throughout, which means every historical price has already been retroactively adjusted for every subsequent split and dividend. Apple's 7-for-1 split in 2014 and 4-for-1 split in 2020 are invisible to the math — your share count grows correctly through them. If you ever see the value collapse on a single day, that's a bug — please email us.

We convert at today's FX rate, not the historical rate at each transaction. This is a simplifying approximation — historically accurate FX would mean each recurring contribution gets its own rate. For most stocks denominated in USD it doesn't matter; for cross-currency holdings (e.g. AED held in a USD-priced stock), expect small differences vs an exact replay.

Click "Share" on any result and we generate a 1080×1350 PNG with your scenario summary — perfect for WhatsApp, Twitter, or Instagram. The dialog also shows a copyable link that reopens the exact same scenario for whoever you send it to.

Yes — click "Add to portfolio" on any result. You can save up to 5 scenarios. They live in your browser only (no account needed), so don't clear your browser data unless you've exported them via the JSON download.

No accounts, no email collection, no location tracking. Your saved scenarios, currency preference, language, and disclaimer acceptance are kept in your browser's local storage on your own device. They never reach our server.

Not currently. If we ever add Vercel Analytics for aggregate visit counts (no personal data), we'll update the Privacy page first.

On the Privacy page, linked from the footer. Read in 90 seconds.

Email contact@if-invested.com — we read everything. Bug reports, feature ideas, and partnership inquiries are all welcome.

No. It is an educational and entertainment tool. We are not licensed by the UAE SCA, Saudi CMA, or any other regulator. Past performance does not predict future results. Always verify numbers with a licensed broker before any real investment decision.