XIRR Calculator

Find the true annualized return on irregular investments like SIPs and stocks — the same XIRR method used by Excel.

Cash Flows

Enter investments as negative (money out) and redemptions as positive (money in).

Date (DD / MM / YYYY) Amount (₹)

How XIRR is calculated

XIRR (Extended Internal Rate of Return) is the annualized return that makes the present value of all your cash flows equal to zero, accounting for the exact dates of each transaction. It is the right metric whenever you invest or withdraw irregular amounts at irregular times — like a SIP.

XIRR Equation
Σ CFᵢ / (1 + r)^((dᵢ − d₀)/365) = 0
Where CFᵢ is each cash flow, dᵢ is its date, d₀ is the first date, and r is the annual rate we solve for. This tool uses Newton-Raphson iteration (with a bisection fallback) to find r — exactly like Excel's XIRR function.
Why XIRR over CAGR
Handles irregular flows
CAGR assumes a single lump sum invested once. XIRR correctly handles many investments and withdrawals on different dates — so for SIPs, top-ups and partial redemptions, XIRR is the accurate annualized return.

Tips for accurate XIRR

Sign convention

Every investment (money leaving your pocket) must be a negative number, and every redemption or current value (money coming in) must be positive. Mixing this up gives wrong results.

Include current value

If you haven't redeemed yet, add a final positive row with today's date and your current portfolio value to get the XIRR till date.

Use exact dates

XIRR is date-sensitive. Use the actual transaction dates from your statement rather than rounding to month-ends for the most accurate annualized figure.

Frequently asked questions

What is XIRR?

XIRR (Extended Internal Rate of Return) is the annualized rate of return on a series of cash flows that occur on irregular dates. It finds the single annual rate at which the present value of all your investments and withdrawals nets to zero. It is the standard way to measure the true return on mutual fund SIPs, stocks and any portfolio with multiple transactions.

What is the difference between XIRR and CAGR?

CAGR (Compound Annual Growth Rate) measures the return on a single lump-sum investment over a period — one inflow and one outflow. XIRR generalises this to handle many cash flows on different dates, such as a monthly SIP with a final redemption. For lump-sum investments XIRR and CAGR give the same answer; for SIPs and irregular investing, XIRR is the correct measure.

Is XIRR the same as the XIRR function in Excel?

Yes. This calculator uses the same mathematical definition and Newton-Raphson solving method as Excel and Google Sheets XIRR, with a day-count of 365 per year. Given the same dates and amounts, the result matches Excel closely (to two decimal places).

What is a good XIRR for mutual funds?

For long-term equity mutual fund SIPs in India, an XIRR of 10–15% is generally considered good, broadly in line with historical equity market returns. Debt funds typically show 6–8%. A negative XIRR means your investments have lost value over the period. Remember past returns do not guarantee future performance.

Why is my XIRR negative or very large?

A negative XIRR means total redemptions are less than the amount invested over the period. An unusually large or unstable XIRR usually points to a data issue — check that investments are entered as negative, redemptions as positive, and that the dates are correct. XIRR also becomes less meaningful over very short periods, where small amounts can produce extreme annualized figures.