XIRR Auditor

Money-weighted returns · No signup · Browser-only

Upload any brokerage export and get your real XIRR, benchmark comparison, and behavioral insights — computed entirely in your browser. No signup. No data stored.

+14.2%
XIRR / yr
+2.3pp
vs SPY
+$28k
net gain

Sample from a real brokerage export

Works with virtually any brokerage export · CSV or XLSX · No signup required

What you get

Your real return. Against the market. In seconds.

Every number below comes from a real brokerage export — no manual entry, no guessing.

Example audit result3.4 yr history
+14.2% / yr

Money-weighted return (XIRR)

Your XIRR

+14.2%

vs SPY

+2.4pp

Net gain

+$36,800

Portfolio

$89,200

Period

3.4 yrs

Income

$4,120

Benchmark comparison

Your XIRR
14.2%
SPY
11.8%
QQQ
16.1%

Beat SPY & SCHD — trailed QQQ

Top holding: NVDA (+685%)

Cash drag: 9% idle

Try the interactive demo →

Your return

+14.7%

annualized · money-weighted

Your XIRR+14.7%
SPY+11.2%
QQQ+13.1%

Period-matched to your exact investment window

Behavioral insights

16 rules scan your trade history

Patterns most investors never see

Beat SPY by 3.5pp over your hold period
Held losers 2.3× longer than winners
43% of gains came from a single position

Disposition effect · Overtrading · Cash drag · Win rate · and more

Open positions

Every holding, ranked by impact

Weight · return · gain/loss

NVDA
28%+182%
AAPL
19%+43%
MSFT
16%+28%
INTC
8%−31%

Plus allocation treemap · risk bubbles · capital flow · income view

Also includes: FIFO tax lot summary · shareable result links · portfolio visualizer

Upload CSV/XLSXParse in browserFetch live pricesCompute XIRRCompare vs market

Universal import

Works with virtually any brokerage export

Known brokers are detected and parsed automatically. Unknown brokers get a one-time guided column mapping — saved so future uploads are fully automatic.

Auto-detected

RobinhoodSchwabFidelityVanguardWebullE*TRADEZerodhaUpstox
See all supported brokers →

Any other CSV or XLSX

Upload any export. Map your columns once in two guided steps — the layout is saved so the next upload skips setup entirely.

How Custom Import works →

Privacy & trust

Your data stays yours

No signup required

No account, no email, no password. Upload a file and get your analysis instantly.

Browser-first analysis

XIRR computation runs entirely in your browser. Your brokerage data never leaves your device.

No brokerage files stored

Uploaded exports are parsed in memory and immediately discarded. Only live price lookups touch the server.

Start analyzing — it's free

Works with virtually any brokerage export · CSV or XLSX · No signup required

Why XIRR?

Simple return ignores timing. XIRR doesn't.

If you put $10,000 in January and another $10,000 in July, treating those two dollars the same is mathematically wrong. The January dollar worked for you a full year. The July dollar had only 6 months. XIRR solves for the single annualized rate that makes all your deposits and withdrawals add up — giving each dollar credit for exactly how long it was deployed.

Jan 2022Deposit
$10,000
Jul 2022Deposit
$10,000
Jan 2023Portfolio value
+$22,400
XIRR (annualized)+12.4% / yr

A simple gain calculation would say +12% total profit — but that ignores that you had $20,000 deployed for only half the time. XIRR gives you the true annualized rate on capital actually at risk.