XIRR Calculator
Find the true annualised return when you invest or withdraw on different dates.
Cash flows
Use negative amounts for investments (money out). Use positive amounts for redemptions or current portfolio value (money in). Up to 120 rows.
XIRR result
12.79%
annualised return
- Total invested
- ₹10,000
- Withdrawals / value
- ₹12,000
- Net cash
- ₹2,000
- Period
- 730 days
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XIRR for SIPs and irregular cash flows
XIRR (Extended Internal Rate of Return) is the annualised return when money moves in and out on different dates. Mutual fund SIPs, top-ups, and partial redemptions need XIRR, not simple CAGR, because each cash flow has its own timing.
How to use this calculator
Enter every investment as a negative amount on the date it left your bank. Enter every redemption or the current portfolio value as a positive amount on that date. The last positive row is often today's market value if you have not sold yet.
Add rows for each SIP instalment, lumpsum top-up, or switch-out. Broker and AMC statements usually list transaction dates; copy them carefully. Missing one large SIP instalment can swing XIRR by a full percentage point.
XIRR solves for the single annual rate that makes the net present value of all cash flows zero. Excel and Google Sheets use the same idea with the XIRR function. This calculator follows that convention so you can cross-check a sheet.
Do not mix XIRR with absolute return headlines on fund factsheets. Factsheet CAGR assumes a lumpsum on day one. Your personal SIP return is almost always different and should be measured with XIRR.
If the solver cannot converge, check that you have at least one negative and one positive cash flow, and that dates are not identical for all rows. Extreme cash flows over a few days can also fail; XIRR is meant for multi-month or multi-year histories.
XIRR definition
Find rate r such that: Σ (CFi / (1 + r)^ti) = 0 CFi = cash flow on date i (negative for investments) ti = years from the first cash-flow date Example: invest ₹5,000 on 1 Jan 2023, ₹5,000 on 1 Jan 2024, portfolio worth ₹12,000 on 1 Jan 2025. XIRR ≈ mid-teens percent depending on exact day counts. This tool uses Newton-Raphson with a bisection fallback, similar to spreadsheet XIRR.
Frequently Asked Questions
XIRR vs CAGR?
CAGR needs one start value and one end value. XIRR handles many dated cash flows, which is what SIPs and top-ups create.
Should SIP amounts be negative?
Yes. Money leaving your account is an outflow (negative). Redemptions and current value are inflows (positive).
Include today's portfolio value?
Yes if you have not sold. Enter the current market value as a positive cash flow on today's date so XIRR reflects unrealised gains.
Does XIRR match CAMS or MF Central?
It should be close if dates and amounts match. Platforms may round NAVs or exclude exit loads differently.
XIRR for a single lumpsum?
With one investment and one redemption, XIRR equals CAGR for the same dates. Prefer CAGR when cash flows are that simple.
Can XIRR be negative?
Yes. If redemptions and current value are below what you invested after timing, annualised return is negative.
How many cash flows can I add?
Add as many rows as you need for a realistic history. Very short windows with extreme amounts may not converge.
Ignore dividends taken as cash?
If dividends left the fund as cash, enter them as positive cash flows on payout dates. Reinvested dividends usually stay inside the current value line.
XIRR vs absolute gain?
Absolute gain is rupees made. XIRR is the yearly rate that produced those cash flows. Use both when reviewing a goal.
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