Portfolio Tracker — Holdings, Gain, Allocation & XIRR

A free, private portfolio tracker that works with the prices you enter

This portfolio tracker keeps all your investments in one table — shares, mutual funds, ETFs, gold, fixed deposits, bonds, crypto and cash — and shows what they are worth, how much you have gained, how your money is split between asset types and your true annualised return (XIRR). Every purchase is one row: the name, type, units, buy price, buy date and the current price. Buy the same fund several times and the rows are combined into one holding with its average cost.

There is no account and no sign-up. Your holdings are saved in this browser only, on this device; export them as a CSV file to keep a backup, open them in Excel or Google Sheets, or import them on another computer. Live prices need a paid market-data feed, so this tracker deliberately uses manual prices: type them from your broker app, a fund’s latest NAV or a statement, or paste a list of names and prices to update many rows at once.

How to use the Portfolio Tracker (Manual Prices)

1. Choose the currency. The sample rows show the format — press Remove all rows to start your own (Undo brings them back).
2. For each purchase press Add holding and enter the name, type, units, buy price and buy date (YYYY-MM-DD).
3. Enter the current price of each holding and set Prices as of to the date of those prices — press Today if they are today’s.
4. Read the value, gain, absolute return and XIRR, the allocation bars and the holdings summary.
5. To refresh prices later, open Update current prices, paste name,price lines and press Apply prices.
6. Press Export CSV now and then as a backup; Import CSV adds rows from a file and skips duplicates.

Portfolio Tracker (Manual Prices) features

How the numbers are worked out

Invested is units × buy price for every row; value is units × the current price. Gain is value − invested and the absolute return is gain ÷ invested. In the sample, ₹6,49,270 invested is worth ₹8,02,315 — a gain of ₹1,53,045, or 23.57%, and an XIRR of 9.52% a year.

Absolute return ignores time: 24% in one year and 24% in five years are very different results. XIRR fixes that. It treats each purchase as money going out on its buy date and today’s value as money coming back on the prices-as-of date, then finds the yearly rate at which those flows balance: Σ −invested ÷ (1 + r)days/365 + value ÷ (1 + r)days/365 = 0. One purchase of ₹1,000 worth ₹1,100 exactly 365 days later gives 10%. Holdings bought less than 30 days ago show no XIRR, because annualising a few days’ movement gives meaningless numbers. The calculation uses the same XIRR routine as the stock profit calculator; for any list of dated cash flows, including withdrawals, use the XIRR calculator.

Using it alongside a spreadsheet or Google Sheets

The exported CSV has the columns name, type, units, buy_price, buy_date, current_price, so it opens directly in Excel or Google Sheets. Going the other way, a sheet or broker export with columns such as name, quantity, average price, date and LTP can be imported — the importer recognises common column names, accepts quoted values with commas and Indian digit grouping, and skips rows that are blank or already in the tracker.

What this tracker does not do

• It does not fetch prices, so the result is only as current as the prices you type and the date you set.
• Sales, dividends, interest payouts, brokerage, taxes and exit loads are not tracked. Remove a row when you sell, and work out the tax with the stock profit calculator.
• Units and prices in different currencies are not converted — keep one currency per portfolio.
• To decide what your mix should be, use the asset allocation calculator, then compare it with the allocation bars here.