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Investment returns

XIRR Calculator

XIRR gives the true annual return when money goes in and out on different dates — SIPs, top-ups, part-withdrawals. List each dated cash flow (with today's value as a Received amount) and get the annual rate, calculated the same way as Excel's XIRR.

All tools XIRR CAGR SIP SWP Lumpsum Step-up SIP

Your cash flows

Add each investment as Invested. Add withdrawals — and today's portfolio value — as Received.

DateAmount (₹)Type
XIRR (annualised return)—
Total invested—
Total received (incl. current value)—
Absolute gain—
Absolute return—
First to last cash flow—

How it's calculated

XIRR finds the single annual rate r at which all your dated cash flows balance out: the sum of each amount ÷ (1 + r)^(days since the first date ÷ 365) equals zero. Investments count as money out, withdrawals and the current value as money in. Because it uses the actual dates, it handles SIPs, top-ups and part-withdrawals correctly — unlike CAGR, which assumes one investment and one exit.

The solver uses Newton's method with a bisection fallback, and the same 365-day convention as Excel's XIRR function, so identical inputs give identical results.

Enter your current portfolio value as a Received row dated today (or your valuation date). XIRR needs at least one investment and one received amount. For holding periods under a year, XIRR scales a short gain up to a full year and can look unrealistically large.

Frequently asked questions

XIRR or CAGR — which should I use?
Use CAGR when you put in one lump sum and take it out once. Use XIRR whenever money goes in or out on several dates, such as a monthly SIP. For SIPs, CAGR from the first to the last date gives a misleading figure because each instalment stayed invested for a different time. See what CAGR is and why it matters.
Why does my XIRR look so high over a few months?
XIRR annualises, so a gain over a short period is scaled up to a full year. A 3% gain in one month shows as roughly 43% a year. Read XIRR with caution when the holding period is under a year.
Does this match Excel and my mutual fund app?
It uses the same formula as Excel's XIRR — dated cash flows on a 365-day year — so the same inputs give the same answer. Apps can differ slightly if they use different NAV dates or include exit load and taxes.
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