Why XIRR matters for mutual funds
If you invest through SIPs, make additional purchases, or redeem part of a portfolio, your money is invested for different lengths of time. XIRR helps express the return while accounting for those dates and cash flows.
Start tracking for free →Why use PetalFolio?
PetalFolio is designed for Indian households that want one clear view of money they already own and owe. You keep your investments and accounts where they are; PetalFolio helps you organise the information and understand the bigger picture.
Absolute return is not the whole story
A portfolio that is up 12% does not tell you how long each rupee was invested.
SIPs create multiple cash flows
Each SIP instalment has its own investment date, so a time-aware return measure is useful.
Redemptions change the calculation
Money withdrawn from the portfolio is a cash flow and affects the return calculation.
Keep the transaction history
Accurate XIRR depends on accurate dates and amounts. This is why transaction tracking matters.
Use XIRR as a performance measure
XIRR is useful for comparing your realised investment experience across irregular cash flows; it is not a guarantee of future returns.
Track instead of calculating repeatedly
PetalFolio keeps portfolio transactions and performance together so you can review your investments without rebuilding the calculation in a spreadsheet.
Start with the accounts that matter most, then build your financial picture over time. You can keep family members separate while still seeing the household as a whole.