XIRR Calculator
Calculate annualized returns on irregular cash flows
Cash Flow Entries
Use negative amounts for investments (outflow) and positive amounts for redemptions (inflow).
How to Use
Negative: Enter investments as negative values (e.g., -100000 for a ₹1 Lakh SIP installment).
Positive: Enter redemptions or current value as positive values (e.g., 175000 for the final portfolio amount).
Dates: Ensure at least one investment and one redemption entry with valid dates.
XIRR Results
XIRR Calculator
The XIRR (Extended Internal Rate of Return) Calculator helps investors calculate the annualized return on investments with irregular cash flows. Unlike simple return calculations, XIRR accounts for the exact timing of each investment and redemption, giving you the most accurate picture of your portfolio performance.
Key Components
- Cash Flow Dates (Exact dates of transactions).
- Cash Flow Amounts (Negative for investments, positive for withdrawals).
- Annualized Return Rate (XIRR percentage).
- Total Investment and Redemption.
- Net Profit/Loss.
Why XIRR is Essential for SIP Investors
Mutual fund statements often show absolute returns, which can be misleading for SIP investments. XIRR gives you the true annualized return accounting for the timing and amount of each investment. Enter your SIP dates and amounts along with the current portfolio value to see your real returns.
Frequently Asked Questions
What is XIRR?
XIRR (Extended Internal Rate of Return) calculates the annualized return on investments with irregular cash flows. It is the most accurate return metric for SIP investments where money is invested at different dates and amounts over time.
How is XIRR different from CAGR?
CAGR works for a single lump sum investment with one start and end date. XIRR handles multiple cash flows at different dates (like monthly SIPs, additional purchases, partial redemptions).
What is a good XIRR for SIP investments?
For equity mutual fund SIPs held over 5+ years, an XIRR of 12-15% is good, and above 15% is excellent. XIRR can be misleading for very short periods; co-evaluate only for SIPs running at least 2-3 years.