XIRR Calculator
Calculate extended internal rate of return for irregular cash flows.
Cash Flows
Enter negative amounts for investments (outflows) and positive for redemptions (inflows).
An XIRR calculator computes annualized return when investments and withdrawals happen on irregular dates. It is the preferred metric for SIPs, staggered investments, and real-world cash-flow patterns. Investors across India and global markets rely on XIRR to measure true portfolio performance.
Why XIRR is important
Unlike CAGR, XIRR handles multiple cash flows on different dates and calculates a single annualized return that balances all inflows and outflows. This makes it far more accurate for mutual fund SIPs, private investments, and portfolios with additions or redemptions. It reflects timing impact, not just start and end values.
XIRR equation
XIRR data rules
- Include exact transaction dates and amounts.
- Mark investments as negative cash flows.
- Mark withdrawals and current value as positive.
- Ensure at least one negative and one positive cash flow.
How to use this XIRR calculator
- Enter each investment with date and amount.
- Enter redemptions or withdrawals with dates.
- Enter current portfolio value as final positive flow.
- Run calculation to get annualized XIRR.
- Compare XIRR with benchmarks and risk taken.
Worked example
Cash flows: -Rs 1,00,000 on 01-Jan-2022, -Rs 50,000 on 01-Jul-2022, +Rs 30,000 on 01-Dec-2023, and current value +Rs 1,60,000 on 01-Jan-2025. The resulting XIRR is approximately 11.8% per year.