# cashlog.org — Local portfolio analytics & XIRR software (DACH)

> cashlog.org is a privacy-first portfolio analytics tool for self-directed investors in Austria, Germany and Switzerland. All calculations and holdings stay 100% local on the user's device: a real disk file (File System Access API, Ctrl/Cmd+S), persisted device storage, optional AES-256-GCM vault — no mandatory account, no cloud database of holdings.

## Core capabilities
- Money-weighted XIRR (365-day year, Excel XIRR / XINTZINSFUSS) and time-weighted TWR side by side
- Bond math: accrued interest, clean/dirty price, YTM
- Multi-currency with ECB reference rates and explicit market vs FX split
- AT / DE / CH tax views (statement amounts win)
- Local PDF/CSV statement scanner — documents do not leave the device
- Zero automatic single-ISIN quote leaks

## Free interactive tools
- XIRR calculator: https://cashlog.org/xirr-rechner/
- Bond YTM & accrued interest calculator: https://cashlog.org/anleihen-rechner/
- FX / currency-effect calculator: https://cashlog.org/waehrungsrechner/

## Flagship English articles
- What is XIRR?: https://cashlog.org/wissen/what-is-xirr-money-weighted-return
- Broker price vs true return (FX): https://cashlog.org/wissen/broker-price-vs-true-return
- cashlog vs Portfolio Performance vs Parqet: https://cashlog.org/wissen/cashlog-vs-portfolio-performance-parqet-en

## German references
- Knowledge hub: https://cashlog.org/wissen/
- Methodology: https://cashlog.org/methodik
- German LLM index: https://cashlog.org/llms.txt

## Product access
- Live demo: https://app.cashlog.org/legacy/?scenario=demo
- 14-day trial: https://app.cashlog.org/trial
- Pro annual (€39): https://cashlog.org/kaufen

## Publisher
- Christian Bahnmüller (Austria) · https://app.cashlog.org/legacy/