XIRR Calculator
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Quick Summary
- Calculate the exact annualised return (XIRR) when your investments have multiple deposits and withdrawals on different dates. Free XIRR calculator.
- For example, SIP instalments over 3 years + redemption today works out to Single annualized XIRR across all irregular cash flows.
- Built for investors with multiple SIP instalments, top-ups or withdrawals who need one exact annualized return
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Enter every investment as a negative amount and your current value (or any withdrawal) as a positive amount. Order doesn't matter — dates are sorted automatically.
XIRR (Annualized Return)
Why XIRR instead of CAGR?
CAGR assumes a single lumpsum investment held for a fixed period. XIRR handles real-world investing — multiple deposits, top-ups, or partial withdrawals on different dates — by finding the single annualized rate that makes all those cash flows work out, which is what SIP and mutual fund platforms actually use to report your returns.
How the XIRR Calculator Works
You list every cash flow (each SIP instalment as an outflow, your current value as an inflow) with its actual date. The calculator solves iteratively (Newton-Raphson) for the single annualized rate that makes the net present value of all those irregular, dated cash flows equal to zero.
Example Scenarios
| Scenario | Result |
|---|---|
| SIP instalments over 3 years + redemption today | Single annualized XIRR across all irregular cash flows |
| One lumpsum + one top-up at different dates | XIRR correctly weights each cash flow by its own date |
| Multiple withdrawals and deposits over 5 years | XIRR handles any mix of in/out cash flows on any dates |
* Illustrative estimates assuming constant annual returns. Actual results vary with market conditions.
Frequently Asked Questions
XIRR (Extended Internal Rate of Return) is the annualized return for a series of cash flows occurring on irregular dates and amounts — like multiple SIP instalments and a final redemption. CAGR only works for a single investment held for one fixed period; XIRR is what mutual fund platforms use to report SIP and multi-transaction returns.
List every SIP instalment as a negative cash flow on its investment date, and your current fund value (or final redemption amount) as a positive cash flow dated today. The XIRR is the annualized rate that makes the net present value of all these cash flows equal to zero, solved iteratively.
A 12-15% XIRR over 5+ years is considered good for diversified equity mutual funds in India. Debt funds typically deliver 6-8% XIRR. Compare your XIRR against your fund's benchmark index and category average rather than a fixed number, since market conditions during your specific investment period matter.
Common Mistakes to Avoid
- Using CAGR instead of XIRR when there are multiple cash flows on different dates — CAGR only works for a single investment.
- Entering cash flow dates incorrectly, which can significantly skew the calculated annualized rate.
- Comparing your XIRR to a fixed benchmark number instead of your fund's actual category average for the same period.
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* Calculations assume constant annual returns. Actual mutual fund returns vary. Past performance is not indicative of future results. FD comparison uses 7% p.a. SIP returns are compounded monthly.
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