FinCalc

XIRR Calculator

Calculate annualized return from irregular cash flows

Enter your cash flows: negative amounts for investments, positive for returns.

DateAmount (₹)

XIRR

15.08%

Annualized return

Total Invested

₹3,00,000

Total Returned

₹4,00,000

Net Gain

₹1,00,000

Profit

What is a XIRR Calculator?

XIRR (Extended Internal Rate of Return) calculates the annualized return of an investment when cash flows happen at irregular intervals — which is how real investing works. Unlike CAGR which handles only one investment and one redemption, XIRR handles multiple SIP installments, additional purchases, partial withdrawals, and dividends, each on different dates.

This is the gold standard for measuring your actual investment returns because it accounts for exactly when each rupee went in and came out. Your mutual fund platform's reported CAGR won't match your personal return if you made additional investments or withdrawals — XIRR gives you the true picture.

When to Use This Calculator

  • Calculating your true return on a SIP that you've been running for years
  • Measuring returns when you've made additional lump-sum investments in a fund
  • Comparing your actual portfolio return across multiple funds with different investment dates
  • Calculating returns on real estate including EMIs, rental income, and sale proceeds
  • Evaluating the true return on an insurance policy with irregular premium payments

Key Terms

XIRR

Extended Internal Rate of Return — the annualized return that makes the net present value of all cash flows (investments and withdrawals) equal to zero. Accounts for exact dates.

Cash Flow

Any money going in (investment, negative) or coming out (withdrawal, dividend, positive) of an investment. Each cash flow has an amount and a date.

IRR

Internal Rate of Return — similar to XIRR but assumes equal time intervals between cash flows. XIRR is more flexible and accurate for real-world scenarios.

NPV

Net Present Value — the sum of all cash flows discounted to present value at a given rate. XIRR is the rate at which NPV equals zero.

Frequently Asked Questions

When should I use XIRR instead of CAGR?+
Use CAGR for a single investment with a single end value. Use XIRR whenever you have multiple transactions — SIPs, additional purchases, partial withdrawals, or dividends. For a SIP running over 5 years, XIRR is the only correct way to measure your return.
How do I enter my SIP cash flows?+
Enter each SIP installment as a negative amount (money going out) with its date. Enter the current portfolio value as a positive amount on today's date. The calculator will compute the annualized return that connects all these cash flows.
Why is my XIRR different from my fund's reported CAGR?+
The fund reports CAGR based on NAV change — one start and one end point. Your XIRR accounts for when you invested. If you invested more during a market high, your XIRR will be lower than the fund's CAGR. If you invested more during dips, it could be higher.
Can XIRR be negative?+
Yes. A negative XIRR means your investment has lost money on an annualized basis after accounting for all cash flows and their timing. This is common during bear markets or for poorly-timed investments.