XIRR Calculator

Extended Internal Rate of Return (XIRR) is the most accurate method to calculate returns when you have multiple investments at different times.

Enter Your Cash Flows

Use negative values for investments (money out of pocket) and positive values for withdrawals or the current market value.

Date (DD-MM-YYYY) Amount (₹) Action

Why XIRR matters?

When you invest via SIP, your money is invested at different market points. A simple CAGR calculation only works for one-time investments. XIRR (Extended Internal Rate of Return) considers the timing of every cash flow to give you the true annualised return of your portfolio.

XIRR vs CAGR

CAGR is used for "point to point" returns (Beginning to End). XIRR is used for "series of cash flows" (Multiple Investments/Withdrawals).

How to use this calculator?

  1. Add the date and amount for every investment you made. Enter the amount as a negative number (e.g., -5,000).
  2. Add one final row with today's date and the current market value of your investment as a positive number.
  3. Click Calculate to see your precise annualised return.

FAQs

What is a good XIRR?

For equity portfolios in India, an XIRR above 12-15% over a long period (5+ years) is considered very good. For debt portfolios, 6-8% is standard.