See what your investments are really earning — not a spreadsheet guess.
XIRR
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Know what your money is actually earning
Real XIRR from your actual transactions — not a spreadsheet guess. Everything stays on your device. Here's what you can do:
Add entries
Log each SIP or lump-sum purchase by hand in seconds.
Upload CAMS statement
Import your whole history from a CAMS/KFintech PDF automatically.
See real returns
XIRR, absolute & rolling returns — over any period you pick.
Plan your goals
When you'll hit a target, retirement drawdown, required SIP.
More detail on everything
Log SIP or lump-sum entries by hand, or upload a CAMS/KFintech consolidated statement to import your history automatically
XIRR, absolute returns, and rolling returns (3M/1Y/3Y/5Y/10Y) are calculated from your actual transactions, not estimates
See how much you invested and what it returned over the last 1, 2, or 3 years, per fund or all together
Use the Goal planner to see when you'll reach a target corpus, including step-up SIPs and contribution end dates — mutual funds or other assets like gold and PPF
Track multiple portfolios (yourself, family members) separately or combined
Everything stays on this device — nothing is sent to any server except anonymous fund NAV lookups
Current value
₹0
Invested
₹0
Net profit
₹0
Total units
0
New entry Add a monthly transaction
Funds
Scheme
Code
Invested
Units
Latest NAV (editable)
Current value
Return
No funds yet
Add your first entry above, or bulk-import your existing sheet below.
Rolling returns Point-to-point, as of latest NAV. Under 1Y is absolute; 1Y+ is annualized (CAGR)
Scheme
3M
1Y
3Y
5Y
10Y
No rolling return data yet
Click "Refresh NAV" on a fund above (with a valid AMFI code) to pull its NAV history and compute this.
Period investment & returns How much you actually put in over a window, and what it grew into
Fund
Invested
Current value
Absolute
XIRR
CAGR
Absolute is straightforward growth over the window. XIRR accounts for exactly when each contribution landed (most accurate for irregular SIPs). CAGR annualizes strictly over the selected window length itself, for a simpler "if this were a steady rate" comparison.
Portfolio value Invested vs. current, by fund
Goal planner When you'll hit a target corpus, at each fund's current growth rate
Fund
Current value
Assumed annual return
Planned contribution
Frequency
Contribute for (yrs)
Step-up %/yr
No funds yet
Add some entries above first, then set a target here.
Other investments Gold, real estate, PPF, FDs — anything outside these tracked mutual funds, counted toward the same target
Name
Current value
Assumed annual return
Planned contribution
Frequency
Contribute for (yrs)
Step-up %/yr
No other investments added yet.
Retirement withdrawal simulator Once you reach your target, how long will it last?
Year
Starting balance
Withdrawal
Lump sum
Growth
Ending balance
The withdrawal starts at your chosen rate applied to the corpus at retirement, then rises with assumed inflation each year after (the standard "4% rule" shape) — not a fixed percentage of the shrinking or growing balance each year.
This is a projection assuming steady growth and inflation, not a guarantee.
"Assumed annual return" defaults to each fund's XIRR-to-date, but you can type a different number to test a scenario.
"Contribute for (yrs)" stops new contributions to that fund after that many years — leave it blank to keep contributing indefinitely (until the target is hit or the 50-year cap).
"Step-up %/yr" raises that fund's contribution by this percentage at the start of every following year (a common step-up SIP pattern) — leave at 0 for a flat amount.
Yearly contributions are spread evenly across the year for this projection. This is a straight-line projection off past performance, not a guarantee — real markets don't compound smoothly.
How much should I invest monthly? Reverse calculator — target amount, timeframe, and return rate → required SIP
Assumes you invest at the end of each month and the return compounds monthly at the rate you enter — the same convention the Goal Planner above uses, so the two stay consistent with each other. Change the return rate to see how sensitive the required monthly amount is to your assumption.
Transaction ledger
S.No
Date
Scheme
Amount
NAV
Units
Duration
Absolute return
CAGR
No transactions yet
Your entries will show up here as a running ledger.
Bulk import from your existing spreadsheet, backup & export
CSV and Excel files are read reliably. PDF statements are best-effort — layouts vary by AMC, so always check the review table's numbers against your statement before confirming, especially the first time. Redemptions, switches, and dividends are detected and skipped automatically (not supported yet).
Or paste rows copied from a spreadsheet (tab-separated, with a header row containing "Scheme", "Transaction Date", "Amount"):
Confirm fund name(s) Match an existing fund exactly to avoid creating a duplicate
Review before importing
Row
Scheme
Date
Amount
Status
Backup and restore work with the full data (funds, scheme codes, all transactions) — keep a backup file somewhere outside the browser, just in case.
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