XIRR Calculator
XIRR, or the extended internal rate of return, is the annualised return on investments where money goes in and out on irregular dates — exactly how SIPs, top-ups and staggered withdrawals behave. A simple CAGR cannot handle these because it assumes one investment and one redemption. This calculator takes each dated cash flow and finds the single annual rate that ties them all together, giving you the true return your portfolio has actually earned.
Enter investments as negative amounts and withdrawals / final value as positive.
XIRR (annualised)
10.99%
The single annual rate that makes all your cash flows balance out.
Total Invested
₹2,00,000
Total Received
₹2,60,000
About the XIRR Calculator
An XIRR calculator computes the annualised rate of return for a series of cash flows that occur on different dates and in different amounts. It is the standard measure used by mutual fund statements and portfolio trackers because most real investing involves many transactions rather than a single buy and sell.
Why it is useful
When you invest through a SIP or add lumpsums over time, your money is deployed for different lengths, so a plain average return is misleading. XIRR accounts for both the size and the timing of every cash flow, letting you compare a SIP against an FD, a lumpsum or any other option on a genuinely like-for-like annual basis.
How the calculation works
XIRR is the rate that makes the net present value of all cash flows equal to zero: Σ CFk ÷ (1 + XIRR)^((dk − d0) ÷ 365) = 0, where CFk is each cash flow, dk is its date and d0 is the first date. Enter every investment as a negative amount on its date and each withdrawal, plus the current portfolio value, as a positive amount; the tool then solves for the rate iteratively.
Key inputs explained
- Cash flow amount: Each investment entered as a negative value and each withdrawal or the final value as positive.
- Cash flow date: The exact date of every transaction, since timing drives the annualised result.
- Current or redemption value: The latest portfolio value, entered as a positive inflow on the valuation date.
Example calculation
Inputs
- Investment 1
- −₹1,00,000 on 01-Jan-2023
- Investment 2
- −₹50,000 on 01-Jan-2024
- Current value
- +₹1,80,000 on 01-Jan-2025
Calculation breakdown
- Cash flows
- −1,00,000 (day 0), −50,000 (day 365), +1,80,000 (day 730)
- Equation
- −1,00,000 − 50,000 ÷ (1 + x) + 1,80,000 ÷ (1 + x)^2 = 0
- Iteration
- converges near x = 0.115
You put in ₹1,50,000 in total and it grew to ₹1,80,000, a ₹30,000 gain. Because the second ₹50,000 was invested for only one year, XIRR weights it correctly and reports about 11.5% a year — far more meaningful than dividing the total gain by the money invested.
Benefits
- Measures true annualised return across many transactions and dates.
- Matches the XIRR figure shown on mutual fund and broker statements.
- Lets you compare irregular investments against fixed-return products fairly.
Limitations
- Needs accurate dates and amounts for every cash flow to be reliable.
- Can give odd or multiple results when inflows and outflows alternate sharply.
- Past XIRR reflects history and does not predict future returns.
Tips
- Include the current market value as the final positive cash flow when a plan is ongoing.
- Keep signs consistent: money leaving your pocket is negative, money returning is positive.
- Compare XIRR, not absolute return, when judging SIPs of different durations.
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About this calculator
The XIRR Calculator is built and maintained by the PaisaBot team. All calculations run instantly in your browser using established financial formulas, and we use high-precision arithmetic to keep the results reliable.
Data accuracy: Interest rates, tax slabs, and scheme rules are updated periodically, but figures can change with RBI, government, and lender revisions. Always confirm the latest rates with your bank or an official source before acting.
Educational purpose: This tool is provided for general information and financial education only. It does not constitute investment, tax, or legal advice. For decisions specific to your situation, please consult a qualified financial advisor.