XIRR Calculator
Calculate the actual annualized return based on the timing of your investments and withdrawals.
Lumpsum Investments
Add up to 5 lumpsum investments (Optional)
No lumpsum investments added yet.
SIP Investments
Min: ₹100•Max: ₹10,00,000
Duration selected: 5 years
Withdrawals
Add up to 5 withdrawals (Optional)
No withdrawals added yet.
Final Value
Min: ₹1,000•Max: ₹10,00,00,000
About XIRR Calculator & Frequently Asked Questions
What is XIRR (Extended Internal Rate of Return)?
Extended Internal Rate of Return (XIRR) is the universal benchmark for calculating the annualized rate of return on investments with multiple irregular cashflows over time. While the CAGR Calculator only considers two points (initial investment and final value), XIRR accounts for the exact calendar date of every transaction, including monthly SIP installments, ad-hoc lumpsum top-ups, dividends, and partial withdrawals.
Where and Why is it Helping?
- Handles Irregular Real-World Cash Flows: Real portfolios involve start-stop SIPs, emergency withdrawals, and bonus additions. XIRR is the only mathematical metric that solves for your true return across complex dates.
- Accurate Time-Weighting: Accounts for the exact number of days each rupee remained invested. Money invested 5 years ago is weighted proportionately differently than capital added last month.
- Industry Standard for Mutual Funds: Investment platforms like Zerodha, Groww, and AMFI utilize XIRR to show portfolio performance.
- Evaluating Insurance & Endowment Plans: If you hold traditional LIC, ULIP, or endowment policies with yearly premiums and survival bonuses, find their true annualized yield with our Policy Returns Calculator.
How to Use the Calculator
- Select Flow Type: Choose between a structured SIP schedule or enter custom dates and cash flow transactions.
- Enter Cash Flows: Enter the amounts and exact dates. Mark investments as (-) Invested and withdrawals/redemptions as (+) Received.
- Provide Current Value: Input the latest portfolio valuation or maturity payout along with today's date.
- Calculate Rate: The calculator dynamically iterates using the Newton-Raphson method to pinpoint your exact annualized XIRR percentage.
The Formula & Example
- The mathematical formula: XIRR is the rate 'r' that satisfies: Sum [CF_j / (1 + r)^((d_j - d_1)/365)] = 0, where CF_j is the j-th cashflow, d_j is the date of the cashflow, and d_1 is the start date.
- For example, if you invest ₹10,000 monthly through an automated SIP Calculator plan, make an interim withdrawal of ₹20,000 in Year 2, and end with ₹1,80,000 in Year 3, XIRR solves the polynomial equation to determine your exact annualized yield.
About XIRR Calculator & Frequently Asked Questions
What is XIRR (Extended Internal Rate of Return)?
Extended Internal Rate of Return (XIRR) is the universal benchmark for calculating the annualized rate of return on investments with multiple irregular cashflows over time. While the CAGR Calculator only considers two points (initial investment and final value), XIRR accounts for the exact calendar date of every transaction, including monthly SIP installments, ad-hoc lumpsum top-ups, dividends, and partial withdrawals.
Where and Why is it Helping?
- Handles Irregular Real-World Cash Flows: Real portfolios involve start-stop SIPs, emergency withdrawals, and bonus additions. XIRR is the only mathematical metric that solves for your true return across complex dates.
- Accurate Time-Weighting: Accounts for the exact number of days each rupee remained invested. Money invested 5 years ago is weighted proportionately differently than capital added last month.
- Industry Standard for Mutual Funds: Investment platforms like Zerodha, Groww, and AMFI utilize XIRR to show portfolio performance.
- Evaluating Insurance & Endowment Plans: If you hold traditional LIC, ULIP, or endowment policies with yearly premiums and survival bonuses, find their true annualized yield with our Policy Returns Calculator.
How to Use the Calculator
- Select Flow Type: Choose between a structured SIP schedule or enter custom dates and cash flow transactions.
- Enter Cash Flows: Enter the amounts and exact dates. Mark investments as (-) Invested and withdrawals/redemptions as (+) Received.
- Provide Current Value: Input the latest portfolio valuation or maturity payout along with today's date.
- Calculate Rate: The calculator dynamically iterates using the Newton-Raphson method to pinpoint your exact annualized XIRR percentage.
The Formula & Example
- The mathematical formula: XIRR is the rate 'r' that satisfies: Sum [CF_j / (1 + r)^((d_j - d_1)/365)] = 0, where CF_j is the j-th cashflow, d_j is the date of the cashflow, and d_1 is the start date.
- For example, if you invest ₹10,000 monthly through an automated SIP Calculator plan, make an interim withdrawal of ₹20,000 in Year 2, and end with ₹1,80,000 in Year 3, XIRR solves the polynomial equation to determine your exact annualized yield.