diff --git a/src/main.zig b/src/main.zig
index b4acff4..0980dd9 100644
--- a/src/main.zig
+++ b/src/main.zig
@@ -64,8 +64,13 @@ fn handleHelp(_: *App, _: *httpz.Request, res: *httpz.Response) !void {
         \\  GET /{SYMBOL}/options           Raw SRF cache file
         \\  GET /symbols                    List of tracked symbols
         \\
+        \\Returns fields:
+        \\  trailing{1,3,5,10}YearReturn    Total return with dividend reinvestment
+        \\  price{1,3,5,10}YearReturn       Price-only return (from adjusted close)
+        \\  volatility                       3-year annualized volatility
+        \\
         \\XML example (LibreCalc):
-        \\  =FILTERXML(WEBSERVICE("http://host/AAPL/returns?fmt=xml"),"//trailing1YearReturn")
+        \\  =FILTERXML(WEBSERVICE("http://host/AAPL/returns?fmt=xml"),"//total10YearReturn")
         \\
     ;
 }
@@ -143,17 +148,42 @@ fn handleReturns(app: *App, req: *httpz.Request, res: *httpz.Response) !void {
         return;
     }
 
-    const ret = zfin.performance.trailingReturns(candles);
+    // Price-only returns (from adjusted close)
+    const price_ret = zfin.performance.trailingReturns(candles);
     var date_buf: [10]u8 = undefined;
     const date_str = candles[candles.len - 1].date.format(&date_buf);
     const risk = zfin.risk.trailingRisk(candles);
 
-    const r1y = if (ret.one_year) |r| r.annualized_return else null;
-    const r3y = if (ret.three_year) |r| r.annualized_return else null;
-    const r5y = if (ret.five_year) |r| r.annualized_return else null;
-    const r10y = if (ret.ten_year) |r| r.annualized_return else null;
+    const p1y = if (price_ret.one_year) |r| r.annualized_return else null;
+    const p3y = if (price_ret.three_year) |r| r.annualized_return else null;
+    const p5y = if (price_ret.five_year) |r| r.annualized_return else null;
+    const p10y = if (price_ret.ten_year) |r| r.annualized_return else null;
     const vol = if (risk.three_year) |r| r.volatility else null;
 
+    // Total returns with dividend reinvestment (non-fatal if dividends unavailable).
+    // trailing* fields use total return when available, falling back to price-only.
+    var t1y: ?f64 = p1y;
+    var t3y: ?f64 = p3y;
+    var t5y: ?f64 = p5y;
+    var t10y: ?f64 = p10y;
+
+    if (app.svc.getDividends(symbol)) |div_result| {
+        defer zfin.Dividend.freeSlice(app.allocator, div_result.data);
+        const total = zfin.performance.trailingReturnsWithDividends(candles, div_result.data);
+        if (total.one_year) |r| {
+            t1y = r.annualized_return;
+        }
+        if (total.three_year) |r| {
+            t3y = r.annualized_return;
+        }
+        if (total.five_year) |r| {
+            t5y = r.annualized_return;
+        }
+        if (total.ten_year) |r| {
+            t10y = r.annualized_return;
+        }
+    } else |_| {}
+
     // Check if XML requested
     if (q.get("fmt")) |fmt| {
         if (std.ascii.eqlIgnoreCase(fmt, "xml")) {
@@ -166,16 +196,24 @@ fn handleReturns(app: *App, req: *httpz.Request, res: *httpz.Response) !void {
                 \\  <trailing3YearReturn>{s}</trailing3YearReturn>
                 \\  <trailing5YearReturn>{s}</trailing5YearReturn>
                 \\  <trailing10YearReturn>{s}</trailing10YearReturn>
+                \\  <price1YearReturn>{s}</price1YearReturn>
+                \\  <price3YearReturn>{s}</price3YearReturn>
+                \\  <price5YearReturn>{s}</price5YearReturn>
+                \\  <price10YearReturn>{s}</price10YearReturn>
                 \\  <volatility>{s}</volatility>
                 \\</returns>
                 \\
             , .{
                 symbol,
                 date_str,
-                fmtPct(arena, r1y),
-                fmtPct(arena, r3y),
-                fmtPct(arena, r5y),
-                fmtPct(arena, r10y),
+                fmtPct(arena, t1y),
+                fmtPct(arena, t3y),
+                fmtPct(arena, t5y),
+                fmtPct(arena, t10y),
+                fmtPct(arena, p1y),
+                fmtPct(arena, p3y),
+                fmtPct(arena, p5y),
+                fmtPct(arena, p10y),
                 fmtPct(arena, vol),
             });
             return;
@@ -184,14 +222,18 @@ fn handleReturns(app: *App, req: *httpz.Request, res: *httpz.Response) !void {
 
     res.content_type = httpz.ContentType.JSON;
     res.body = try std.fmt.allocPrint(arena,
-        \\{{"ticker":"{s}","returnDate":"{s}","trailing1YearReturn":{s},"trailing3YearReturn":{s},"trailing5YearReturn":{s},"trailing10YearReturn":{s},"volatility":{s}}}
+        \\{{"ticker":"{s}","returnDate":"{s}","trailing1YearReturn":{s},"trailing3YearReturn":{s},"trailing5YearReturn":{s},"trailing10YearReturn":{s},"price1YearReturn":{s},"price3YearReturn":{s},"price5YearReturn":{s},"price10YearReturn":{s},"volatility":{s}}}
     , .{
         symbol,
         date_str,
-        fmtPct(arena, r1y),
-        fmtPct(arena, r3y),
-        fmtPct(arena, r5y),
-        fmtPct(arena, r10y),
+        fmtPct(arena, t1y),
+        fmtPct(arena, t3y),
+        fmtPct(arena, t5y),
+        fmtPct(arena, t10y),
+        fmtPct(arena, p1y),
+        fmtPct(arena, p3y),
+        fmtPct(arena, p5y),
+        fmtPct(arena, p10y),
         fmtPct(arena, vol),
     });
 }