XIRR Auditor
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Look up the real annualized return of any ticker over any date range. See how SPY, QQQ, or individual stocks actually performed — then compare to your own portfolio.

Ticker & period

Investment start

Today or exit date

Why benchmark your return?

Knowing your portfolio returned +18% sounds great — until you realize SPY returned +24% in the same period with zero effort. Comparing to a benchmark over the exact same window is the only honest way to evaluate whether active management added value.

This tool fetches real historical prices so you can see the exact return any index or stock would have delivered over your investment period, not a long-run average.

Common benchmarks and what they represent

SPY

S&P 500

500 largest US companies. The most common benchmark for US equity portfolios.

QQQ

Nasdaq 100

100 largest non-financial Nasdaq stocks. Higher tech concentration, higher volatility.

SCHD

Dividend equity

High-dividend US stocks. A relevant benchmark for income-focused portfolios.

BTC-USD

Bitcoin

The highest-volatility common benchmark. Useful for crypto-adjacent portfolios.

Price return vs total return

This tool shows price return— the change in the ticker's price only. It does not include dividend income. For SPY, total return (dividends reinvested) typically adds ~1.3–1.8pp per year above price return. The XIRR Audit captures dividends automatically via your brokerage export, making it a more complete comparison.

Frequently asked questions

Why does the return differ from what my broker shows?

Brokers typically show total return including dividends reinvested. This tool shows price return only — the change in the ticker's price. For dividend-paying stocks like SCHD, the gap can be significant over long periods.

Can I look up Indian, European, or crypto tickers?

Yes — type any Yahoo Finance symbol directly. Use suffixes like .NS for NSE India (e.g. RELIANCE.NS), .L for London, or -USD for crypto (e.g. ETH-USD).

Why use CAGR instead of total return?

Total return depends on the time period, making it hard to compare investments of different durations. CAGR normalizes to a per-year rate so a 3-year and a 7-year investment can be compared on the same scale.

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