XIRR Calculator
Work out the true annualised return of any investment with irregular cash flows — SIPs, top-ups, partial withdrawals — by entering each transaction date and amount plus the current value.
Cash flows
Each investment or withdrawal with its date. Positive amounts only — pick the type.
Current value of what you still hold
Set to 0 if you have fully redeemed and entered every withdrawal above.
Annualised return (XIRR)
17.17%
over 1.1 years · 12 investments
Total invested
₹1,20,000
Value + withdrawals
₹1,32,000
Net gain
₹12,000
Absolute return
10.00%
Pin this scenario, change the inputs, and compare side by side.
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Net invested vs growth at this XIRR
The purple area is money you had put in at each date; the gold line is what it would be worth if it compounded at the solved XIRR — ending at today's value.
- Net invested
- Value at XIRR
Cash-flow schedule
| Date | Type | Amount | Net invested so far |
|---|---|---|---|
| 5 Sept 2025 | Investment | ₹10,000 | ₹10,000 |
| 5 Oct 2025 | Investment | ₹10,000 | ₹20,000 |
| 5 Nov 2025 | Investment | ₹10,000 | ₹30,000 |
| 5 Dec 2025 | Investment | ₹10,000 | ₹40,000 |
| 5 Jan 2026 | Investment | ₹10,000 | ₹50,000 |
| 5 Feb 2026 | Investment | ₹10,000 | ₹60,000 |
| 5 Mar 2026 | Investment | ₹10,000 | ₹70,000 |
| 5 Apr 2026 | Investment | ₹10,000 | ₹80,000 |
| 5 May 2026 | Investment | ₹10,000 | ₹90,000 |
| 5 Jun 2026 | Investment | ₹10,000 | ₹1,00,000 |
| 5 Jul 2026 | Investment | ₹10,000 | ₹1,10,000 |
| 5 Aug 2026 | Investment | ₹10,000 | ₹1,20,000 |
Example calculation
You put in ₹1,20,000 across 12 dated instalments and today hold (or received) ₹1,32,000. Because each rupee was invested for a different length of time, the simple absolute return of 10.00% is not comparable with an annual rate. XIRR finds the one annual rate — 17.17% — at which every instalment, compounded for exactly the days it was invested, adds up to today's value.
What is XIRR?
XIRR (Extended Internal Rate of Return) is the single annual rate at which all your cash flows — money you put in and money you took out or still hold — would have to grow so that they exactly balance today. Because it weights every rupee by how long it was actually invested, it is the correct way to measure the return of a SIP or any investment with multiple dates.
How the calculator works
Each investment is entered as money going out on a specific date, and each redemption (or the current value of what you still hold) as money coming in. The calculator then finds the rate r that solves:
Σ amounti ÷ (1 + r)(daysi ÷ 365) = 0
There is no closed-form formula, so the tool solves it numerically — the same approach spreadsheets use for their XIRR function, using an actual/365 day count.
XIRR vs CAGR vs absolute return
Absolute return ignores time entirely. CAGR annualises a single lump sum between two dates. XIRR generalises CAGR to many dated cash flows — for a single investment and a single redemption, XIRR and CAGR give the same answer. If you invested monthly, CAGR on the total invested will understate your real return because most of the money was not invested for the full period. Read the CAGR vs XIRR guide for worked examples.
Reading the result
A 12% XIRR means your money grew at the equivalent of 12% per year for the time it was invested. It is comparable with a fixed deposit rate or a fund's stated annualised return over the same period. It is not a prediction of future returns, and short periods (under a year) can produce very large or very small annualised figures that are not meaningful.
Assumptions & Limitations
- •Uses an actual/365 day count, matching spreadsheet XIRR behaviour.
- •Requires at least one investment (money out) and one redemption or current value (money in).
- •Ignores taxes, exit loads and expense ratios unless you enter them as separate cash flows.
- •For very short holding periods the annualised figure can be misleading — treat sub-one-year XIRR with caution.
Frequently asked questions
Methodology last reviewed: 24 June 2026