The Story

About XIRR Ledger

Built by a developer who wanted to know his real returns.

Why I Built This

I've been investing in Indian equities through Zerodha for a few years. Every time I opened the dashboard and looked for my XIRR, I saw the same thing — a dash. Not a number. Not an error. Just a dash, as if the field didn't apply to me.

It turns out Zerodha's XIRR has been broken for years. They know. Their community forum has threads about it going back years. The feature simply doesn't work for most accounts.

So I calculated it myself — from the actual ledger — including every fund transfer, every STT deduction, every DP charge, and every day my money sat idle before I deployed it. That number told a very different story than the one I'd been assuming.

I wanted one honest number — one I could trust. So I built the tool to calculate it from the ledger, the way it should be done.

A

Ankit Bhardwaj

Developer · Retail investor · Creator of XIRR Ledger

I'm a software engineer who invests in Indian equities. I built XIRR Ledger as a side project to solve a problem I had — and kept improving it because the problem turned out to be common.

The tool is free because the calculation shouldn't cost you anything. If it helps you understand your real returns, that's enough.

What XIRR Ledger Does Differently

Reads your actual ledger — Not trade history. Not stock prices. The raw cash ledger — where every rupee in and out is already recorded with exact dates, including all charges.
Counts idle cash — Money transferred to your broker but not yet invested is a real cost. We start the clock from the fund transfer date, not the trade date.
Includes every charge — STT, DP charges, brokerage, GST, SEBI fees, stamp duty — all are already reflected in your ledger balance. No manual adjustment needed.
Combines all your accounts — Upload files from Zerodha, Groww, and Fyers in one session. Get individual XIRR per account and a single combined number.
Benchmarks against Nifty 50 fairly — The Nifty comparison uses the exact same cash flows and dates as your actual investments — same money, same timing, different asset.

The tool is free. No subscription, no credit card.

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