> ## Documentation Index > Fetch the complete documentation index at: https://docs.tilt.now/llms.txt > Use this file to discover all available pages before exploring further. # See how an account or household actually performed > Compare what a client account or household really earned with its model and its measurement benchmark, and read what each line leaves out. The **Performance** section at the top of an account's or a household's **Overview** shows what it actually earned over a period, next to its model and its measurement benchmark. The account's line comes from Tilt's daily values for the account and leaves deposits, withdrawals and transfers out of the return, so it shows how the invested money did. The screenshots use the made-up Larkspur Ridge Wealth practice. A backtest answers a different question: what a strategy would have done from cash. [Reports and backtests](/advisor/reports-and-backtests.md) covers it. ## Read an account's performance Open the client, select the account, and stay on **Overview**. **Performance** comes first. ![Performance section showing Account return 2.50%, Model return 2.70% and Benchmark return 3.20%, a 3 months period menu, a vs 70/30 Stock and Bond Blend button, and a chart from Jul 21, 2026 to Oct 21, 2026 with lines for This account, Growth 70/30 and a dashed 70/30 Stock and Bond Blend.](https://mintcdn.com/tilt/Zfqho3tSzv3IZsJ3/images/advisor/larkspur-account-performance.png?fit=max\&auto=format\&n=Zfqho3tSzv3IZsJ3\&q=85\&s=6bd6fac5b5ab01d55db5ffe99d2030be) Elena Castellano's Individual account over 3 months, against its model, Growth 70/30, and its own measurement benchmark. | Part | What it shows | | - | - | | **Account return**, **Model return**, **Benchmark return** | Each line's total return over the period. Hover over **Model return** or **Benchmark return** for the model's or the benchmark's name. | | Period menu | **1 month** to **5 years**. The section opens on **1 year**. A period counts back from the latest market close every line has a value for, as on the model page. | | **vs** button | The measurement benchmark the account is measured against. Its tooltip says when the account inherits it from the model. Select it to open **Setup**, where you change it. With no benchmark, the button reads **Set benchmark**. | | Chart | Growth of 100 from the period's first close. **This account** is drawn on top, the model is the solid line, and the benchmark is the dashed line. | When the account's daily values begin after the period's start, the chart starts at its first value and a caption says **Since** that date. A model or benchmark line that can't be drawn for the period is left off the chart, with a sentence saying why, such as a missing price. An account without a model shows **Assign a model in Setup to see drift and compare performance with it.** with an **Open Setup** button. ## How each line is measured **Calculation assumptions**, below the chart, says how the lines are worked out. | Line | How Tilt measures it | | - | - | | **This account** | The account's daily values, with money moved in or out left out: deposits, withdrawals, cash and share journals, and transfers. Tilt links each day's return to the next, so the return is time weighted. It is after fees and trading costs. | | Model | The model the account follows today, holding its current targets from the period's first close with no rebalancing. It leaves out the account's own settings, such as a sleeve it holds differently, and is before fees and trading costs. This is the same calculation as the model page's **Historical performance**. | | Benchmark | The account's own measurement benchmark, or its model's when the account has none. An index uses its published total-return levels. An ETF or a custom basket is bought at the first close and held. It is before fees and trading costs. | ![Calculation assumptions text: the account's return comes from its daily values with deposits, withdrawals, journals and transfers left out, and is time weighted; history starts when the account was linked to its current brokerage; the model line holds the model's current targets without rebalancing and leaves out this account's own settings; the benchmark is the account's own or its model's; the account's return is after fees and trading costs, and the model and benchmark lines are before them.](https://mintcdn.com/tilt/Zfqho3tSzv3IZsJ3/images/advisor/larkspur-account-calculation-assumptions.png?fit=max\&auto=format\&n=Zfqho3tSzv3IZsJ3\&q=85\&s=145084694e73d90d3afb39f565646005) The account's Calculation assumptions, opened below the chart. Keep these limits in mind when you compare the lines: * The model line shows what today's targets would have done. It doesn't show what the account was told to hold at the time, and a model change during the period doesn't appear. * The gap between the account and the model also reflects the account's fees and trading costs and anything it held differently from the model's targets. * History starts when the account was linked to its current brokerage. A relinked account starts again from the new link. [Models, sleeves, and benchmarks](/advisor/models-and-benchmarks.md#measurement-benchmark) explains where the measurement benchmark comes from. ## When an account has no return Tilt shows no account return, and says why, when it can't tell the account's gains from money moved in or out: | Message | What it means | | - | - | | This account isn't linked to a brokerage, so Tilt has no daily values for it. | Tilt measures accounts linked to a brokerage or custodian account. | | *Brokerage* doesn't send deposits and withdrawals to Tilt, so this account's return can't be measured. | Nothing in Tilt changes this. Some brokerages, such as Charles Schwab, don't send money moves to Tilt, so every deposit would read as a gain. | | Tilt hasn't read this account's transactions yet, so its return can't be measured. | The return shows once Tilt has read the account's transactions from its brokerage. | | Tilt's record of this account's deposits and withdrawals is incomplete, so its return can't be measured. | Nothing in Tilt changes this. Some brokerages leave deposits and withdrawals out of what they send Tilt, such as Interactive Brokers, or Wealthsimple when it reports a transfer without an amount, so a missing deposit would read as a gain. | | *Brokerage* reported a transfer on *date* that Tilt can't value yet, so this account's return for this period can't be measured. | Some brokerages report journals and transfers between accounts in a form Tilt can't value as money in or out. A period that starts after that date can still be measured. | | Tilt has no daily values for this account yet. | Tilt records each linked account's value daily. The return shows once there are values to compare. | ## Read a household's performance Open the household. **Performance** comes first on **Overview**, above its members and accounts. ![Household Performance section showing Household return 1.91%, Models return 2.24% and Benchmarks return 2.82%, a chart with Household, Models (blended) and a dashed Benchmarks (blended) line, and two coverage lines: Models cover 2 of 3 accounts, 93% of the household's value. Cash Reserve has no model. Benchmarks cover 2 of 3 accounts, 93% of the household's value. Cash Reserve has no benchmark.](https://mintcdn.com/tilt/Zfqho3tSzv3IZsJ3/images/advisor/larkspur-household-performance.png?fit=max\&auto=format\&n=Zfqho3tSzv3IZsJ3\&q=85\&s=ad02c5921f1d6982e7d78832688c5e49) The Castellano Family over 3 months. Cash Reserve has no model and no benchmark, so the blends cover the other two accounts. | Line | How Tilt measures it | | - | - | | **Household** | The member accounts' daily values added up, with money moved in or out left out. Money moved between members cancels out. An account whose values start later counts its first value as money in. | | **Models (blended)** | Each account's model line, weighted each day by the account's share of the value at the previous close. | | **Benchmarks (blended)** | Each account's measurement benchmark line, or its model's, weighted the same way. | A blend leaves out accounts with no model, or no benchmark, and spreads the weight over the rest. When it doesn't cover every account, a line names the accounts it leaves out and the share of the household's value it covers, as for Cash Reserve above. Compare the household's return with a blend only when the blend covers all of it; otherwise compare the covered accounts on their own pages. Other notes under the chart name: * an account left out of the household's return and both blends, with its reason from [When an account has no return](#when-an-account-has-no-return), such as a brokerage that doesn't send deposits and withdrawals; * an account whose values stopped before the chart's last close, with the date its value is carried forward from. The household is its members today for the whole period, so an account that left the household during the period isn't in its return. The household's return is after fees and trading costs; the blends are before them. A client outside any household has no household chart. Each of the client's account pages carries the comparison. ## Ask Tilt Agent Tilt Agent reads the same figures the page shows. Ask, for example: * **"How has my client Elena Castellano's Individual account done over the last year compared with its model and benchmark?"** * **"How has the Castellano household done against its models and benchmarks over 3 months?"** Tilt Agent gives the dates the figures cover, names the model and the benchmark, and says the account's return is after fees while the model's and the benchmark's are before them. When an account can't be measured, it gives the reason instead of a number. It doesn't run a backtest to answer these questions. *** Tilt provides portfolio technology, not investment, tax or legal advice, and is not a registered investment adviser or broker-dealer. Account and household returns come from the values and money moves Tilt receives from each account's brokerage or custodian. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.