Blog & Updates
Latest news, features, and tips for using XIRR Ledger
What Happens to Dividends and SGB Interest in Your XIRR Calculation?
Dividends and SGB interest go straight to your bank — not your broker. Your fund statement can't capture them. Here's why they need to be added manually for an accurate XIRR.
Your Broker's XIRR Is Lying to You (SGBs, Govt Bonds & Unlisted Stocks Are Missing)
If you own Sovereign Gold Bonds, RBI bonds, or unlisted stocks, your broker's XIRR calculation is missing a chunk of your money — and showing you a return that's too good to be true.
XIRR vs CAGR: Why the Return % on Your Portfolio App Is Lying to You
CAGR looks clean and simple, but it only works if you invested all your money in one shot. If you've ever added money over time — monthly SIPs, fresh capital, top-ups — CAGR is silently giving you the wrong number. XIRR is the fix.
Are You Actually Beating Nifty 50? Here's the Only Honest Way to Find Out
Most investors think they're beating the market. Most are wrong. Here's how to compare your actual returns against Nifty 50 — using the exact same money, on the exact same dates.
Why Ledger-Based XIRR Shows Your True Returns (Not Just Your Invested Amount)
Discover why your broker account balance matters more than just your invested amount, and how ledger-based XIRR reveals your actual returns.
Why Every Type of Trader Needs Ledger-Based XIRR (Yes, Even F&O Traders)
Whether you're a long-term investor, swing trader, or F&O trader—everything flows through your ledger. Here's why XIRR is the only metric that matters.
Why Brokerage Charges Matter in XIRR (And Why Most Calculators Get It Wrong)
Every buy or sell order costs you money in brokerage fees, taxes, and charges. Your ledger captures all of this automatically—here's why it matters for accurate returns.