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XIRR Calculator

Calculate the exact annualized return on your mutual funds, SIPs, and stock portfolios accounting for all your irregular investments and withdrawals.

list_alt Cash Flow Entries

How to use:

  • Add every date you invested money as an Investment (-).
  • Add any money withdrawn, or the final/current value of the portfolio, as a Current Value / Withdrawal (+).

Total Invested

₹0

Total Value / Withdrawn

₹0

XIRR (Returns)

0.00%

Annualized Rate

Visual representation of your cash flows (Red = Money Out/Invested, Green = Money In/Value).

Cash Flow Timeline

Date Transaction Type Amount

How Does an XIRR Calculator Work?

When you invest a lump sum amount, calculating the return is easy using CAGR (Compound Annual Growth Rate). However, real-world investing is messy. You make a SIP every month, you invest an unexpected bonus in the middle of the year, and maybe you withdraw a small amount a few years later.

The Mathematical Solution

Because every single investment was in the market for a different amount of time, a simple CAGR formula fails. This is where Extended Internal Rate of Return (XIRR) comes in. XIRR assigns a specific weight to each transaction based on its exact date.

Mathematically, XIRR solves for the discount rate $r$ in the Net Present Value (NPV) equation set to zero:

$0 = \sum \frac{C_i}{(1 + r)^{\frac{d_i - d_0}{365}}}$

Because this equation cannot be solved algebraically, this calculator uses the complex Newton-Raphson method running directly in your browser to iterate and find the precise mathematical return rate instantly.

Frequently Asked Questions

Why is my XIRR negative or 0%? expand_more
This usually happens for two reasons: 1) You haven't added a "Current Value / Withdrawal (+)" entry to show the final value of the portfolio. 2) The total value of your redemptions and current portfolio is genuinely less than the amount you invested, meaning you are at a loss.
What is a good XIRR for Mutual Funds? expand_more
A "good" XIRR depends on the type of mutual fund. For equity mutual funds in India over a long period (5-10+ years), an XIRR of 12% to 15% is generally considered excellent. For debt funds, an XIRR of 6% to 8% is standard.