💹 XIRR Calculator
Enter every cash flow (money in / money out) with its exact date — get the true annualised return. Perfect for SIP, lumpsum, multiple purchases, partial redemptions, or any irregular investment.
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📆 Cash Flows
Add every date-wise transaction. "Investment" = money going into the fund (SIP instalment / lumpsum purchase). "Redemption" = money coming out (dividend / partial or full redemption / current portfolio value if still holding).
💡 End with today's portfolio value as a Redemption row (dated today). Or if you've fully redeemed, use the final redemption date and amount.
| Date | Type | Amount (₹) |
|---|
⭐ EXTENDED IRR (annualised)
—%
Enter cash flows to calculate
Total Invested
₹ —
Total Received
₹ —
Net Gain / Loss
₹ —
Duration
—
Absolute Return
—
CAGR (lumpsum only)
—
XIRR annualises irregular cash flows. Positive = your money grew. Higher horizons and larger cash flows carry more weight in the result.
What is XIRR & when to use it?
XIRR (Extended Internal Rate of Return) is the annualised return on an investment when cash flows happen on irregular dates. Unlike CAGR (which assumes a single start & end), XIRR handles multiple deposits and withdrawals of any size on any date.
- Use XIRR for: SIPs, top-ups, partial redemptions, PPF contributions, multiple insurance premium runs, real estate cash flows.
- Use CAGR for: a single lumpsum invested once and redeemed once.
- The calculator uses the same Newton-Raphson method Excel's
=XIRR()function uses — results match Excel to 2 decimal places.