Is XIRR better than CAGR for stock portfolios?
For portfolios with multiple buys, sells, or partial exits, XIRR is usually more appropriate because it includes cashflow timing.
XIRR vs CAGR
XIRR vs CAGR for Stock Portfolios in India
CAGR is useful for one start value and one end value. XIRR is better when your portfolio has many buys, sells, partial exits, and cashflow dates.
XIRR meaningCAGR comparisonStaggered buysPortfolio calculator
Problem
Why this calculator exists
CAGR can hide investor experience when cash entered and exited on many dates. XIRR is designed for those dated cashflows.
Workflow
How it works
- Use CAGR for one clean start value and one end value
- Use XIRR when cash went in and out on multiple dates
- Upload a tradebook
- Get XIRR, holdings, timeline and audit gaps
What you get
Tool output
- Portfolio XIRR
- Stock-wise XIRR
- Current value
- Gain/loss
- Timeline
- Ask JMI explanations
Privacy
Browser-first import
Raw file stays in browser during normal parsing.
CTA
Start with your tradebook
Upload the file, review the mapping, and inspect the scorecard before sharing anything outside your browser.
FAQ
Common questions
Can CAGR still be useful?
Yes. CAGR is useful for comparing a single investment over a clean start and end period, but it does not model staggered cashflows.
Does JustifyMyInvestment calculate advice?
No. It calculates and explains portfolio facts. It does not recommend buying, selling, or holding securities.