XIRR Auditor
18 Free Tools · No Signup · Runs in Your Browser

Calculators for returns, benchmarks, inflation, tax drag, and investment strategy. No account needed. All math runs locally.

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Return Analysis

CAGR Calculator

Annualized return for a single lump-sum investment. Compare against S&P 500, Nasdaq, and savings benchmarks.

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Return AnalysisLive data

Benchmark Return Lookup

What did SPY, QQQ, or any ticker actually return between two exact dates? Powered by live market data.

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Return Analysis

Loss Recovery Calculator

A 50% loss requires a 100% gain. See the exact recovery gain needed and how long it takes at your rate.

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Investment Planning

SIP Return Calculator

Future value of a systematic monthly investment. See how compounding grows your deposits over time.

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Investment Planning

Lump Sum vs DCA

Invest all at once or spread it over months? Compare final values side-by-side at a given annual return.

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Investment Planning

Rule of 72

Divide 72 by your return rate to estimate doubling time. Exact accuracy comparison and 10/20/30-year growth.

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Investment Planning

Portfolio Blend Calculator

Mix stocks, bonds, and cash with expected returns. See your blended rate and long-term compound growth.

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Tax & Inflation

Real Return Calculator

Inflation silently erodes nominal gains. See your true purchasing-power return after adjusting for CPI.

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Tax & Inflation

Tax Drag Calculator

Annual taxation vs. buy-and-hold deferral can cost tens of thousands. See the compounding difference.

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Costs & Fees

Expense Ratio Impact

A 1% vs 0.05% fee gap can cost you hundreds of thousands over 30 years. See the exact dollar damage.

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Retirement

Retirement Number

How much do you need to retire? Calculate your FI number using the 4% rule and see your timeline.

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Portfolio Math

Average Cost Calculator

Enter multiple buy lots to compute your weighted average cost per share. See unrealized P&L at current price.

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Retirement

Cost of Waiting to Invest

Delaying investments even a few years destroys compounding. See the exact dollar price of waiting.

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Retirement

Safe Withdrawal Rate

How long does your retirement corpus last? Simulate inflation-adjusted withdrawals year by year.

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Portfolio Math

DRIP Calculator

Dividend reinvestment vs. cash dividends: see how DRIP compounds extra shares into dramatically more wealth.

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Retirement

Savings Rate & FI Timeline

Your savings rate is the #1 lever for financial independence. See your FI number and timeline from 10–70%.

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Portfolio Math

Stock Profit Calculator

Calculate P&L, ROI, and annualized CAGR from a single trade. Break-even price included.

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Costs & Fees

Pay Debt vs Invest

Should you pay off debt first or invest while carrying it? Compare net wealth over any time horizon.

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From XIRR Auditor

Want your real return from actual brokerage data?

Upload your brokerage export. XIRR Auditor computes your true money-weighted return, benchmarks, insights, and tax summary — automatically.

Free · No signup · Runs in your browser · Your data never leaves your device