XIRR Calculator
XIRR is the annualised return on money invested and withdrawn on irregular dates. Enter each cash flow with its actual date — investments as negative amounts, redemptions and your current value as positive — to get the return your money truly earned.
Enter your investment cashflows below. Use negative amounts for investments and positive for redemptions.
Total Invested
₹2.50 L
Total Redeemed
₹3.10 L
XIRR (Annualized Return)
+8.46%
Illustrative projections based on assumptions. Actual returns will vary. No guarantee of returns.
Why XIRR rather than a simple return
A simple point-to-point return assumes one amount went in at the start and stayed there. That is rarely how investing works: a SIP puts money in every month, and each instalment is invested for a different length of time. XIRR weights every cash flow by how long it was actually invested, which is why it is the right measure for a SIP or for any account you have added to and withdrawn from.
It is solved iteratively — there is no closed-form answer — by finding the rate at which the present value of all cash flows equals zero. This calculator uses the Newton–Raphson method, the same approach spreadsheet XIRR functions use.
Enter dates accurately: XIRR is sensitive to timing, so approximate dates give an approximate answer.
XIRR calculator FAQs
What is XIRR and when should I use it?
XIRR is the annualised return of a series of cash flows on irregular dates. It is the right measure when you have invested and withdrawn at various times — as with a SIP plus occasional lump sums — where a simple point-to-point return would be misleading.
How is XIRR different from CAGR?
CAGR assumes one amount invested at the start and left untouched. XIRR handles many cash flows on their own dates, weighting each by how long it was actually invested.