XIRR Calculator
Work out the annualised return (XIRR) on investments made and redeemed on different dates — the right way to measure returns on SIPs, mutual funds and stock purchases. Enter each cashflow: investments as negative, money received as positive.
| Date | Amount (₹) — invest as −, receive as + |
|---|---|
XIRR (Extended Internal Rate of Return) is the correct way to measure return when money goes in and out on different dates — for example a monthly SIP, top-up investments, or shares bought over time and sold later. Unlike a simple return or CAGR, XIRR weights every cashflow by exactly how long it was invested, so it reflects your true annualised return.
How XIRR is calculated
XIRR is the rate r that makes the net present value of all cashflows equal zero, discounting each by the number of days from the first cashflow (on an Actual/365 basis):
There is no closed-form solution, so it is solved numerically — this calculator uses a Newton-Raphson search with a bisection fallback, the same method as a spreadsheet's XIRR function.
Worked example
Invest ₹1,00,000 on 1 Apr 2022, another ₹50,000 on 1 Apr 2023, and the holding is worth ₹2,00,000 on 1 Apr 2024. Total invested ₹1,50,000, received ₹2,00,000 — but because the two investments were held for different lengths of time, the annualised XIRR is 18.58%, not a simple 33%.
XIRR vs CAGR vs absolute return
Absolute return just compares final to invested value and ignores time. CAGR assumes a single lump sum for a whole number of years. XIRR handles multiple investments on any dates, which is why mutual-fund and SIP statements report XIRR. For a single lump-sum investment held for a whole year, XIRR and CAGR give the same answer.