XIRR Calculator
Calculate the annualised return from irregular investments, SIPs, withdrawals, and final portfolio value using this simple XIRR calculator.
Enter Your Cash Flow Details
| Date | Cash Flow Type | Amount | Action |
|---|---|---|---|
XIRR Summary
Insight
XIRR helps you understand actual annualised return when investments happen on different dates.
Investment vs Gain
Cash Flow Timeline
XIRR Breakdown Table
| Metric | Value | Meaning |
|---|---|---|
| XIRR | 0% | Annualised return from irregular cash flows |
| Total Invested | Rs. 0 | Total money invested by you |
| Total Value | Rs. 0 | Final value plus withdrawals |
| Absolute Gain / Loss | Rs. 0 | Total value minus total invested |
What is XIRR?
XIRR stands for Extended Internal Rate of Return. It helps calculate annualised return when investments and withdrawals happen on different dates. It is commonly used for SIPs, mutual funds, irregular investments, partial withdrawals, and portfolio return calculation.
How This XIRR Calculator Works
This calculator uses your investment dates, investment amounts, withdrawal amounts, current portfolio value, and valuation date to estimate your annualised return. Investment entries are treated as money going out. Withdrawals and final value are treated as money coming back.
When Should You Use XIRR?
- When you invest through SIP on different dates
- When you make irregular lump sum investments
- When you withdraw money before the final date
- When you want to calculate mutual fund portfolio return
- When CAGR is not suitable because cash flows are irregular
XIRR Calculation Example
Suppose you invested Rs. 50,000 on 1 January 2021 and Rs. 50,000 on 1 January 2022. If your investment value became Rs. 1,30,000 on 1 January 2024, this calculator estimates the annualised return based on the exact cash flow dates.
XIRR vs CAGR
CAGR is useful when there is one investment amount and one final value. XIRR is better when there are multiple investments or withdrawals on different dates. For SIP and irregular investments, XIRR gives a more practical return estimate.
Benefits of Using an XIRR Calculator
- Helps calculate annualised return for irregular investments
- Useful for SIP and mutual fund portfolio tracking
- Considers investment dates and cash flow timing
- Better than simple absolute return for real-life investing
- Helps compare actual return with FD, CAGR, inflation, and other options
Frequently Asked Questions
What is XIRR in simple words?
XIRR is the annualised return from investments where money is invested or withdrawn on different dates.
Is XIRR useful for SIP?
Yes. XIRR is useful for SIP because every SIP instalment is invested on a different date.
What is the difference between XIRR and CAGR?
CAGR works well for one-time investment. XIRR works better when there are multiple investments or withdrawals on different dates.
Can XIRR be negative?
Yes. XIRR can be negative if the final value and withdrawals are lower than the invested amount after considering time.
How should I enter investment amounts?
Select Investment for money you invested. The calculator automatically treats it as an outgoing cash flow.
How should I enter withdrawals?
Select Withdrawal for money you received before the final date. The calculator treats it as an incoming cash flow.
Try Our Other Financial Calculators
Explore more free calculators from Smart Money Tool to plan your investments, loans, tax, salary, savings, and retirement.