XIRR Calculator
Calculate the annualised return for irregular cashflows — ideal for mutual funds with multiple SIP dates.
Use negative values for money going OUT (investments) and positive for money coming IN (redemptions/dividends).
XIRR Calculator
XIRR (Extended Internal Rate of Return) calculates the annualised return of a series of cashflows that happen on irregular dates and in irregular amounts — the realistic case for SIPs, redemptions, and additional lumpsum top-ups.
XIRR is the rate r that makes the sum of all cashflows, each discounted as amount / (1 + r)^(days since first cashflow ÷ 365), equal to zero — solved iteratively (Newton-Raphson), not in closed form.
Input: ₹1,00,000 invested on day 0, redeemed for ₹1,35,000 after 545 days (~1.5 years), with no interim flows
Result: XIRR ≈ 20.9% annualised
Why use XIRR instead of CAGR for a SIP?
CAGR assumes one lumpsum invested once; a SIP has many separate contributions on different dates, each earning a different length of return — only XIRR accounts for that correctly.
Can XIRR be negative?
Yes — a negative XIRR means the investment lost value on an annualised basis over the period measured.
XIRR Calculator: how it works
XIRR is the annualised rate of return for a series of cashflows that occur on irregular dates — the correct measure when you have invested or withdrawn at varying times.
Formula
The rate r that solves Σ Cᵢ / (1 + r)^(dᵢ/365) = 0, where Cᵢ is each cashflow and dᵢ its days from the first date.