XIRR Calculator
Calculate the annualised return (XIRR) on irregular investments. Add each dated cash flow to measure the real return on your SIPs and lumpsum investments.
Cash Flows
Add each investment (money out) and each redemption or current value (money in) with its date.
XIRR (Annualised Return)
12.25%
Total Cash Flows
4
Investments and redemptions
XIRR needs at least one investment (money out) and one redemption or current value (money in). It is the standard measure of return for SIPs and other irregular cash flows.
What is XIRR?
XIRR - eXtended Internal Rate of Return - is the annualised return on a series of cash flows that happen on irregular dates. Where CAGR works only for a single buy and a single sell, XIRR handles real investing: multiple SIP instalments, redemptions, top-ups, all on different dates. For any SIP, lumpsum + add-on, or basket portfolio, XIRR is the only honest single-number return you can quote. Fund houses and brokers report SIP returns as XIRR.
How to use the XIRR Calculator
- List your cash flows. Add each contribution as a negative amount and each redemption (or current value) as a positive amount, with its date.
- Mark the current value. Add today's value of your holding as the final positive entry, dated today.
- Hit calculate. The XIRR computes the annualised rate that makes the cash-flow net present value zero.
- Read the result. A positive XIRR means a net annualised gain; negative means a loss.
- Compare with the benchmark. If a SIP XIRR beats the equivalent benchmark CAGR, the fund has added value.
Why XIRR is essential
- Handles real-world investing. SIPs, redemptions, top-ups, withdrawals - all on different dates.
- The honest single-number return. Most fund-level return metrics fall apart for irregular flows.
- Used in every CAS statement. Your Consolidated Account Statement from CAMS or KFin reports XIRR.
- Comparable across portfolios. A 14% XIRR is comparable whether the portfolio has 5 or 50 SIPs.
- Detects underperforming funds. XIRR over the long term reveals if a fund actually delivered the returns the headline NAV suggests.