XIRR Calculator

Work out the real yearly return on money that went in and came out on different dates, like a SIP, top ups or partial withdrawals. Free, private, nothing to sign up for.

XIRR

For money going in and out on different dates, like topping up a mutual fund now and then. Enter every amount you put in as a negative number, and the money you got back, or what it is worth today, as a positive number.

DateAmount

What is XIRR?

XIRR, the extended internal rate of return, is the single yearly growth rate that explains every cash flow you made and what your investment is worth today. It is the fairest way to measure SIP returns, because each instalment was invested for a different length of time.

How It Is Worked Out

Find r so that Σ Ck ÷ (1 + r)(dk − d0) ÷ 365 = 0

Each amount C is entered with its date d: money you put in as a negative number, money you got back or the value today as a positive number. The calculator tries rates until the total comes to zero.

Example: you invested ₹1,00,000 on 1 January 2024 and ₹50,000 on 1 July 2024. On 1 January 2026 it is worth ₹1,80,000.

XIRR comes to about 10.4% a year.

XIRR Versus CAGR

CAGR is for one amount from one date to another: ₹1 lakh becoming ₹2 lakh in 6 years is a CAGR of about 12.2%. As soon as there is more than one investment date, use XIRR.

Common Questions

Why should investments be negative?

XIRR follows money from your point of view: money leaving your pocket is negative, money coming back, or today’s value, is positive. Without at least one of each there is no return to work out.

What is a good XIRR?

For an equity mutual fund held five years or more, 10 to 14% is a reasonable range in India. Compare it with inflation, around 5 to 6%, and with what a fixed deposit would have paid over the same dates.

Why is my XIRR different from what my app shows?

Small differences come from dates (purchase date versus allotment date), dividends, and whether today’s value uses the latest NAV. Large differences usually mean a cash flow is missing.

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