Upload your Zerodha, Upstox, or Groww tradebook CSV and instantly calculate your real portfolio XIRR with stock-wise breakdown, yearly analysis charts, and P&L tracking. 100% free, no signup, fully private.
Drop your Tradebook CSV / Excel files here
Zerodha • Groww • IndMoney • Upstox • MF • .csv/.xlsx
Required if stocks are still in your portfolio (not yet sold)
Or upload Holdings CSV to auto-calculate value
All slider inputs, expected returns, interest rates, and custom goals are saved in this unique URL. Bookmark this page or share the link with others to show your plan.
XIRR (Extended Internal Rate of Return) is the gold standard for measuring investment returns when you have multiple cash flows at different times. Unlike simple percentage returns or CAGR, XIRR accounts for the exact timing of every buy and sell transaction — giving you the true annualized return on your portfolio.
If you invested ₹1,00,000 in January and another ₹2,00,000 in November, your money didn't all work for 12 months. A simple "total return %" ignores this timing completely. XIRR solves this by treating each cash flow individually.
💡 Pro Tip: Zerodha limits exports to 1 year at a time. Upload multiple yearly CSVs — we merge them automatically with de-duplication.
If your stocks are still in your portfolio (not fully sold), this step is essential:
Click Calculate Portfolio XIRR to get:
| Platform | Asset Class | Format | Status |
|---|---|---|---|
| Zerodha | Indian Stocks, F&O | Console Tradebook CSV | ✅ Fully Supported |
| Groww | Stocks & MF | Trade Report CSV | ✅ Supported |
| IndMoney | Indian & US Stocks | Transaction CSV | ✅ Supported |
| Upstox | Stocks, F&O | Trade History CSV | ✅ Supported |
| MF Platforms | Mutual Funds | Transaction Statement CSV | ✅ Supported |
| Generic | Any | Date, Amount CSV | ✅ Supported |
🌍 Multi-Portfolio: Upload files from different brokers together! We auto-detect each file's format and merge all trades into a single unified XIRR calculation across your entire portfolio.
Everything runs in your browser. Your tradebook data is never uploaded to any server. We don't see it, we don't store it, we don't transmit it. Close the tab and your data is gone.
This is your annualized return — what your portfolio would earn per year if it grew at a constant rate. A 25% XIRR means your investments have compounded at 25% per year.
The maximum money at risk at any point in time. Unlike gross turnover (which inflates when you reinvest), this shows your actual capital commitment.
Individual XIRR for each stock helps you identify your best and worst performers. A stock with 100% XIRR doubled your money in annualized terms; -50% means it lost half.
| Metric | Best For | Handles Multiple Cash Flows? |
|---|---|---|
| XIRR | Real portfolio with buys/sells at different times | ✅ Yes |
| CAGR | Single lump-sum investment held for years | ❌ No |
| Absolute Return | Quick snapshot of total gain/loss | ❌ No |
No. CAGR assumes a single investment, while XIRR handles multiple cash flows at different dates. For SIP or active trading, XIRR is always more accurate.
For Indian equity markets, an XIRR of 12–15% is in line with Nifty 50 long-term returns. Above 20% is excellent. If your XIRR beats the index, you're outperforming.
Zerodha shows XIRR for individual stocks, not your overall portfolio. Our calculator gives you the combined portfolio XIRR across all stocks and time periods.
Yes! If your mutual fund platform exports a transaction CSV with dates and amounts, you can paste it directly. The calculator works with any date-amount pair.
Provide interactive financial planning directly for your blog or news audience.