Blog & Updates
Latest news, features, and tips for using XIRR Ledger
Zerodha Shows a Dash Where Your XIRR Should Be — Here's Why
Zerodha's Holdings page has an XIRR field. It shows '–'. This isn't a bug — it's a fundamental limitation. And even if they fix it someday, the number will still be wrong.
Stop Holding Losing Stocks. Book the Loss and Move On.
Indian traders hold losing stocks for years hoping they'll recover, while selling winners at 10–20% profit. This single habit quietly destroys portfolio returns. Here's the hard truth about why you must book losses — and what your XIRR is already telling you.
XIRR in SIP: Why Smart Investors Are Ditching Fixed Dates (And How to Measure It)
A fixed monthly SIP date is convenient — but it's not optimal. Smarter investors buy on dips: specific stocks, irregular dates, triggered by market falls. The catch? Neither Zerodha nor Groww will tell you your real SIP returns. That's where XIRR comes in.
How to Calculate XIRR: Why Excel Gets It Wrong and the Ledger Method Gets It Right
There are three ways to calculate XIRR. Two of them are wrong or incomplete. Tracking individual stock trades in Excel misses thousands in charges. Using the ledger with Excel works — but stops short. Here's the full picture.
Dividends Are Part of Your Returns — Most XIRR Calculators Ignore Them
Dividends are real income from your investments. But because they land in your bank — not your broker — most XIRR calculators never see them. xirrledger lets you upload your Zerodha dividend report to include them in your XIRR calculation.
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.