XIRR Calculator
Enter your investment dates and amounts (investments as negative, redemptions as positive) to get the precise annualised XIRR return on your portfolio.
XIRR Calculator
Calculate the annualised return on SIPs, portfolio cash flows, and investments with irregular dates.
| DATE | AMOUNT (₹) | |
|---|---|---|
| Metric | Value |
|---|---|
| XIRR (time-weighted) | +34.65% p.a. |
| Nifty 50 avg. (15yr) | ~13% p.a. |
| FD / Debt benchmark | ~7–7.5% p.a. |
| Inflation (target) | ~4–6% p.a. |
About XIRR Calculator
XIRR (Extended Internal Rate of Return) is the correct way to measure annualised returns on investments with multiple cash flows at irregular intervals — like SIPs, mutual fund purchases on different dates, partial redemptions, or dividend reinvestments. Unlike simple CAGR, which assumes a single lump-sum investment, XIRR weights each cash flow by the time it was invested.
The XIRR calculation finds the discount rate at which the Net Present Value (NPV) of all cash flows equals zero. For a typical monthly SIP investor, XIRR gives a fair comparison of different funds — a fund with XIRR of 14% p.a. genuinely delivered more time-adjusted return than one at 12%, even if the absolute maturity values looked similar.
This calculator is pre-filled with a sample 11-month SIP (₹10,000/month) plus a final redemption of ₹1,28,000 — demonstrating a return of approximately 13.5% XIRR p.a. You can edit any date or amount, add rows for lump-sum top-ups or partial withdrawals, and remove rows to match your actual investment history.
To use XIRR correctly: enter all investments as negative numbers (cash going OUT of your pocket) and all redemptions or current portfolio value as positive numbers (cash coming IN). The date of the last positive entry should be today's date with the current portfolio value as the amount.
How to Use the XIRR Calculator
The table is pre-filled with a 12-month SIP example. Click any date field to change it, or edit the amount field to match your actual investment.
Enter investments (money you put in) as negative numbers, e.g. -10000. Enter redemptions or current value as positive, e.g. +128000.
Use "+ Add Row" to add extra rows for lump-sum top-ups, partial redemptions, dividends, or other irregular cash flows.
Click the × button on any row to remove it. The table requires at least two rows — one negative and one positive — to calculate XIRR.
The result card updates in real time, showing XIRR percentage, total invested, total received, and absolute gain. Compare your XIRR to the benchmark table.
Pro Tips
To measure your current portfolio return: add all past investment dates as negative rows, then add a final positive row with today's date and the current portfolio value. This gives you real-time XIRR on your holdings.
If you invested ₹1.2L across 12 months and now have ₹1.28L, simple return is 6.7%. But XIRR will be ~13.5% because early SIP instalments were compounding for 12 months, later ones for just 1 month. XIRR accounts for this time difference.
For the most accurate XIRR, include every cash flow — STP instalments, dividend payouts (as positive), switch-ins/outs, and STT/exit loads (reduce the redemption amount). Missing any event will skew the result.
Frequently Asked Questions
What is XIRR and how is it different from CAGR?
CAGR (Compound Annual Growth Rate) measures the return on a single lump-sum investment over a fixed period. XIRR extends this to multiple cash flows on different dates — it finds the single annualised rate that makes the NPV of all cash flows equal to zero. For SIP investors, XIRR is always the right metric.
Why are investment amounts entered as negative numbers?
XIRR follows the cash flow convention: money leaving your pocket (investments, premiums) is negative, money entering your pocket (redemptions, dividends, maturity values) is positive. This is the same convention used by Excel's XIRR function and financial calculators worldwide.
What XIRR should I expect from a Nifty 50 SIP?
Historical Nifty 50 SIP returns over 10–15 year periods have typically ranged from 12–16% XIRR p.a. Returns are sensitive to start date and market cycle. The trailing 5-year period can vary widely — 8–18% depending on whether you started in a bull or bear market.
Can XIRR be negative?
Yes. A negative XIRR means the investment has lost money on an annualised basis — the total redemption value is less than the total invested. This commonly happens with investments started near a market peak or held for less than a full cycle.
How does this calculator solve for XIRR?
This tool uses Newton-Raphson iteration — the same method used by Excel's XIRR function. It starts with an initial rate estimate (10%) and iterates up to 200 times, converging when the error is less than 1e-10. The result matches Excel XIRR to 4 decimal places for typical SIP cash flows.
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