XIRR Calculator
Irregular investment returns
Cash Flows
Enter all investments (negative) and final value (positive)
XIRR Result
About XIRR Calculator
The XIRR Calculator helps you calculate the Extended Internal Rate of Return for irregular cash flows. Perfect for SIP investments, multiple stock purchases, and portfolios with partial withdrawals.
XIRR is the industry standard for calculating returns on mutual fund SIPs, stock portfolios, and any investment with multiple cash flows over time. Unlike simple CAGR, XIRR accounts for the timing of each investment, giving you the true annualized return.
Whether you're tracking your mutual fund investments, calculating returns on your stock portfolio, or evaluating real estate investments, XIRR provides the most accurate picture of your investment performance.
How to Use This XIRR Calculator
Step 1: Enter each investment amount and its date (these are negative cash flows).
Step 2: Enter the current/final value and its date (this is a positive cash flow).
Step 3: Click "Add Investment" to add more investments.
Step 4: Click "Calculate XIRR" to see your annualized return.
Step 5: Review your XIRR, absolute return, and performance rating.
Step 6: Use Reset to clear all inputs and start over.
Why Use an XIRR Calculator?
✓ SIP Return Tracking
Calculate the true annualized return of your SIP investments. XIRR accounts for each installment's timing for accurate results.
✓ Portfolio Analysis
Track returns across multiple investments made at different times. Perfect for stock portfolios and mutual fund holdings.
✓ Performance Comparison
Compare XIRR with benchmark returns. Know if your investments are beating the market or index.
✓ Investment Decisions
Use XIRR to decide whether to continue, increase, or exit an investment. Make data-driven investment decisions.
XIRR Formula
Σ [CFᵢ / (1 + XIRR)^(dᵢ/365)] = 0
Where CFᵢ = cash flow, dᵢ = days from first investment
The calculator iteratively solves for XIRR using the Newton-Raphson method.
XIRR vs CAGR Comparison
📊 CAGR
- • Single investment only
- • One start date, one end date
- • No intermediate cash flows
- • Best for lump sum investments
- • Simple to calculate
📈 XIRR
- • Multiple investments supported
- • Different dates for each cash flow
- • Handles partial withdrawals
- • Perfect for SIPs and recurring investments
- • Industry standard for portfolios
XIRR Interpretation Guide
| XIRR Range | Rating | Description |
|---|---|---|
| Above 20% | Outstanding ★★★★★ | Exceptional returns, above market average |
| 15-20% | Excellent ★★★★ | Very good returns, beating most benchmarks |
| 12-15% | Good ★★★ | Solid returns, meeting market expectations |
| 8-12% | Average ★★ | Moderate returns, may be affected by inflation |
| Below 8% | Below Average ★ | Low returns, consider reviewing strategy |
| Negative | Needs Review ⚠️ | Loss-making, urgent review required |
* These are general guidelines. Context matters - consider risk, investment type, and market conditions.
Investment Tips
- 💡Start early: The earlier you invest, the more time your money has to compound. Even small amounts invested early can significantly increase your XIRR.
- 💡Invest during market corrections: Buying more when markets are down improves your XIRR. SIPs automatically do this through rupee cost averaging.
- 💡Stay invested long-term: XIRR improves with time. Avoid frequent withdrawals that reduce compounding. Long-term investing (5-10+ years) historically yields higher XIRR.
- 💡Choose the right investments: Equity funds historically give higher XIRR than debt funds. Match your investment choice with your risk tolerance and goals.
- 💡Review your XIRR regularly: Track your XIRR annually. If it's consistently below benchmarks, consider reviewing your investment strategy.