XIRR Calculator
The most accurate way to calculate annualized returns for SIPs and irregular investments. Measure your actual wealth growth with precision.
Transaction History
Add all your investments and withdrawals
Pro Tip: To see your current returns, add a final row with today's date and the Current Market Value of your portfolio.
Calculated XIRR
Absolute Return
Smart Insight
Consider diversifying if your XIRR is consistently below 10% over the long term.
Cash Flow Timeline
Mastering XIRR
Why simple returns aren't enough for the modern investor.
What is XIRR?
XIRR stands for Extended Internal Rate of Return. It is a mathematical method used to calculate the annualized yield of an investment that has multiple cash flows occurring at irregular intervals.
Unlike CAGR (Compound Annual Growth Rate), which only considers the start and end values, XIRR accounts for the exact timing of every rupee that enters or leaves your portfolio.
CAGR vs XIRR
Use CAGR for one-time (Lumpsum) investments where you hold for a fixed period.
Use XIRR for Systematic Investment Plans (SIPs), irregular stock purchases, or any scenario where you invest or withdraw money multiple times. It is the gold standard for measuring real-world portfolio performance.
Frequently Asked Questions
What is XIRR?
XIRR stands for Extended Internal Rate of Return. It is a method used to calculate returns on investments where multiple transactions (investments or withdrawals) happen at irregular intervals. It is the most accurate way to measure the performance of SIPs or irregular mutual fund investments.
Why use XIRR instead of CAGR?
CAGR (Compound Annual Growth Rate) is used when you make a single lumpsum investment and hold it for a period. However, if you invest or withdraw money at different times (like in a SIP), CAGR cannot accurately calculate your returns. XIRR accounts for the exact dates of each cash flow, giving a true picture of your annualized return.
What is a good XIRR?
A 'good' XIRR depends on the asset class and market conditions. For equity mutual funds in India, an XIRR of 12% to 15% over a long period (5-10+ years) is generally considered very good. For debt funds, 6% to 8% is typical.
How do I calculate XIRR for my Mutual Fund SIP?
To calculate XIRR for a SIP, you need the dates and amounts of all your monthly installments (these will be negative cash flows). Then, you need the current date and the current value of your investment (this will be a positive cash flow). Enter these into the XIRR calculator to get your annualized return.
Why is my XIRR negative?
A negative XIRR means that the current value (or total withdrawn amount) of your investment is less than the total amount you have invested. This typically happens during market downturns or if you withdraw funds shortly after investing when the market has dipped.