# Zerodha XIRR Calculator

Check your annualized return instantly — no tradebook needed for a quick estimate

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 Zerodha tradebook on TrueXIRR →](/content/site-root.html)

## Why Zerodha Console Doesn't Show the Full Picture

Your Zerodha Console shows you **what you made** (the P&L number). But it doesn't show you **which decisions** contributed to that number.

Did your partial exit in Stock A help or hurt your compounding? Did averaging down in Stock B actually improve your returns, or just your comfort? Zerodha's dashboard can't answer these questions because it's built for accounting, not decision analysis.

TrueXIRR calculates **XIRR (Extended Internal Rate of Return)**, which measures your annualized return while accounting for timing. But more importantly, it breaks down your returns **by decision**: each buy, each sell, each re-entry.

### 💡 Decision-Aware XIRR

Regular XIRR gives you a number. Decision-Aware XIRR shows you _why_ that number is what it is. It connects your returns to your behavior: where you added capital, where you exited, and whether timing helped or hurt.

## Zerodha Console vs TrueXIRR: Feature Comparison

| Feature                          | Zerodha Console | TrueXIRR        |
|----------------------------------|-----------------|------------------|
| Absolute P&L                     | ✓               | ✓                |
| Per-stock XIRR                   | ✗               | ✓                |
| Decision Impact Analysis          | ✗               | ✓                |
| Nifty 50 Benchmark               | ✗               | ✓                |
| Behavioral Patterns               | ✗               | ✓                |
| Tax P&L Statement                | ✓               | ✗                |
| Data Privacy                     | Server          | Client-side only |

## Step 1: Download Your Zerodha Tradebook

1. Log in to [Zerodha Console](https://console.zerodha.com/)
2. Go to **Reports → Tradebook**
3. Select the date range (we recommend "All time" or at least 1 year)
4. Click **Download** and choose **CSV** format

### ⚠️ Important: Tradebook vs P&L Report

Download the **Tradebook**, not the Tax P&L report. The Tradebook contains individual trades with exact dates and quantities, which is required for accurate XIRR. The Tax P&L only has summarized data per financial year.

### 📋 What's in a Zerodha Tradebook CSV?

Your downloaded file will contain these columns:

Symbol  | Trade Date    | Trade Type | Quantity | Price | Exchange | Segment | Order ID  
-------- | ------------- | -----------| -------- | ----- | -------- | ------- | ---------

TrueXIRR uses Symbol, Trade Date, Trade Type, Quantity, and Price to calculate per-stock XIRR.

## Step 2: Upload to TrueXIRR

1. Go to [TrueXIRR.com](/content/site-root.html)
2. Select **Zerodha** as your broker
3. Upload the CSV file you just downloaded
4. Your XIRR will be calculated instantly — per stock and portfolio-wide!

## What You'll Actually Learn

TrueXIRR shows you which decisions are working and which aren't:

- **Decision Impact per Stock** — See if your partial exits helped or hurt your compounding
- **Timing Analysis** — Find out if averaging down improved your XIRR or just felt good
- **Capital Efficiency Heatmap** — Identify which holdings are worth the time you're giving them
- **Behavioral Patterns** — Spot if you're cutting winners early and holding losers too long
- **Nifty 50 Benchmark** — Know if you're beating the index or just feeling good

## Real Example: A Zerodha Portfolio Analyzed

Here's what a typical Zerodha user discovered after uploading their tradebook:

Console showed

+₹45,000 P&L

Looks great!

Actual XIRR

8.2%

Over 3 years of trading

Nifty 50 same period

14.1%

Underperformed by 5.9%

The ₹45K profit looked good, but an index fund would have earned ₹78K in the same period with zero effort.

## Is My Data Safe?

Absolutely. TrueXIRR is a **client-side application**. Your tradebook data is processed entirely in your browser and **never leaves your device**. We don't store, upload, or have access to your financial data. Unlike some tools that require API access to your Zerodha account, TrueXIRR works with just the CSV file — no Kite Connect API, no login credentials.

## Frequently Asked Questions

#### How do I download my Zerodha tradebook?

Log in to Console (console.zerodha.com) → Reports → Tradebook → Select date range → Download CSV. Make sure to download the Tradebook, not the Tax P&L.

#### Why is my XIRR different from Console P&L?

Console shows absolute profit. XIRR is your annualized return accounting for timing. ₹20K profit on ₹1L over 3 years = 6.3% XIRR, not 20%.

#### Does Zerodha Console show XIRR?

No. Zerodha Console shows P&L and portfolio value but does not calculate XIRR. You need to export your tradebook and use TrueXIRR or Excel's =XIRR() function.

#### What about Zerodha Coin (Mutual Funds)?

TrueXIRR currently supports Zerodha equity tradebook. For Coin (MF) XIRR, use our SIP XIRR calculator with your monthly SIP amount and current value.

#### Is it safe to upload my tradebook?

100% safe. TrueXIRR processes everything in your browser. No data is sent to any server. Unlike tools that need Kite API access, we only read your CSV file locally.

### See What Shaped Your Zerodha Returns

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

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