# Angel One XIRR Calculator

Check your annualized return instantly — calculate before downloading your tradebook

**Total Invested (₹)**  
**Current Value (₹)**  
**Investment Date**  
**Valuation Date**  
**Calculate My XIRR →**

## Your Annualized Return (XIRR)

**Absolute Profit**  
If FD @ 7%  
[Want stock-by-stock XIRR? Upload your Angel One tradebook on TrueXIRR →](/content/site-root.html)

## Beyond Angel One's Portfolio Returns

Angel One (formerly Angel Broking) shows you **what you made**. But it doesn't show you **which decisions** contributed to that number.

With Angel One's **₹20 flat brokerage**, many users trade frequently. But are those trades actually improving your returns? XIRR reveals the truth that P&L hides.

## Angel One App vs TrueXIRR: What You Get

| Feature                           | Angel One   | TrueXIRR      |
|-----------------------------------|-------------|----------------|
| Absolute P&L                      | ✓           | ✓              |
| Per-stock XIRR                    | ✗           | ✓              |
| Brokerage Impact on Returns        | ✗           | ✓ (Net XIRR)   |
| SmartAPI Integration               | ✓           | CSV only (safer)|
| Decision Impact Analysis           | ✗           | ✓              |
| Nifty 50 Benchmark                | ✗           | ✓              |
| Data Privacy                      | Server      | Client-side only|

## The ₹20 Flat Brokerage Trap

Angel One's **₹20 per order** feels cheap. But for frequent traders, it adds up:

- 10 trades/month  
- ₹2,400/year in brokerage alone

**On ₹1L portfolio**  
-2.4% XIRR drag before taxes & charges

**On ₹10L portfolio**  
-0.24% drag negligible impact

**Takeaway:** Angel One's flat brokerage is excellent for large orders but penalizes small, frequent trades. TrueXIRR shows you the net impact.

## Step 1: Download Your Angel One Tradebook

1. Log in to [Angel One](https://www.angelone.in/) web portal  
2. Go to **My Account → Trade Reports → Tradebook**  
3. Select your date range (choose the maximum available)  
4. Click **Download CSV**

### ⚠️ Note: Angel Broking vs Angel One

If you had an account with **Angel Broking** (rebranded to Angel One in 2021), your old trades are in the same account. Download the full tradebook to include all historical data.

## Step 2: Analyze with TrueXIRR

1. Visit [TrueXIRR.com](/content/site-root.html)  
2. Select **Angel One** as your broker  
3. Upload your tradebook CSV  
4. See per-stock XIRR, decision impact, and Nifty benchmark comparison!

## Privacy & Security

TrueXIRR processes everything **locally in your browser**. We don't need your Angel One login, SmartAPI credentials, or Demat number — just the exported CSV file.

## Frequently Asked Questions

### How do I download my Angel One tradebook?

Web portal: My Account → Trade Reports → Tradebook → Select dates → Download CSV. Also available in the mobile app under Portfolio → Reports.

### Does Angel One show XIRR?

No. Angel One shows absolute P&L and portfolio return percentage, but not XIRR. For time-weighted annualized returns, use TrueXIRR.

### How does ₹20 flat brokerage affect my XIRR?

At 10 trades/month on a ₹1L portfolio, brokerage alone costs ~2.4% XIRR. On larger portfolios (₹10L+), the impact drops to ~0.24%. TrueXIRR shows your net returns after these costs.

### Do I need SmartAPI access for TrueXIRR?

No. TrueXIRR works with your exported CSV file only — no SmartAPI key needed. This is actually safer since you don't share any API credentials.

### Is my Angel One data safe?

100% safe. Everything runs in your browser. No data is sent to any server. No login credentials needed.

### See What Shaped Your Angel One Returns

Upload your tradebook. See which decisions helped or hurt. Free, private, instant.

[Analyze My Returns →](/content/site-root.html)