Unlock the True Value of Your Investments: Free XIRR Calculator

Stop guessing your investment returns. Our powerful, easy-to-use XIRR calculator instantly reveals the annualized yield on investments with irregular cash flows, giving you the clearest picture of your portfolio’s performance.

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XIRR Calculator — ToolSuite
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XIRR Calculator

Calculate internal rate of return for irregular cashflows. Add rows, enter dates and amounts, then press Calculate.

Tip: Enter negative amounts for investments (outflows) and positive for proceeds (inflows). Example: -100000 on 2020-04-01, 150000 on 2024-04-01.

XIRR (annual)
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Total Inflows
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Total Outflows
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Net Cash
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Cashflow timeline & cumulative

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Results calculated using Newton-Raphson; if XIRR fails to converge you’ll see an error prompt.

What is XIRR (Extended Internal Rate of Return)?

The Extended Internal Rate of Return (XIRR) is the single most accurate metric for calculating the annualized return on an investment portfolio or a single asset where cash flows occur at irregular intervals and on varying dates.

Unlike simpler measures like Compound Annual Growth Rate (CAGR), XIRR accounts for the exact timing of every deposit and withdrawal you make. This means it provides a far more realistic rate of return, reflecting the time value of money precisely as it was committed or retrieved from the investment.

XIRR vs. IRR vs. CAGR: Why XIRR Wins

Understanding the differences between these three common metrics is crucial for serious investors:

1. Simple IRR (Internal Rate of Return)

IRR assumes that all cash flows occur at perfectly regular intervals (e.g., monthly or yearly). This assumption rarely holds true for real-world investments like SIPs with top-ups, partial redemptions, or irregular stock purchases. If your cash flow dates are not uniform, IRR is inaccurate.

2. CAGR (Compound Annual Growth Rate)

CAGR is a simplified measure that only uses the initial investment amount, the final redemption value, and the total time duration. It completely ignores all intermediate cash flows, making it highly misleading for investments like Systematic Investment Plans (SIPs) or partial lumpsum withdrawals.

3. XIRR (Extended Internal Rate of Return)

XIRR is the most precise tool available because it uses the exact date associated with every single cash flow, making it the gold standard for calculating returns on:

  • SIPs (Systematic Investment Plans)
  • Equity portfolios with staggered purchases
  • Real estate deals with multiple funding stages
  • Fixed deposits with early withdrawals or top-ups

Essential Applications: When to Use Our XIRR Calculator

Our comprehensive online XIRR calculator is indispensable for any investor dealing with complex or real-world cash flow patterns.

Analyzing SIP Returns

If you invest via SIP, you know the monthly payments are regular, but the return calculation must account for the date of each installment. XIRR is the only accurate method for a SIP return calculator, correctly weighting the first installment (which has been invested longer) versus the latest.

Evaluating Lumpsum Investments with Partial Redemptions

Imagine you made a large initial investment (lumpsum) and then withdrew capital periodically. Your final return must be calculated on the remaining capital and for the exact time periods each chunk was invested. Our tool handles these lumpsum investment returns seamlessly.

Comparing Fund Manager Performance

A fund manager might boast high returns, but if they achieved those returns by timing a large capital injection from you perfectly, the XIRR will show the true annualized rate of return on your specific investment pattern, not just the fund’s internal benchmark.

How to Get Started with Your Calculation

Using our tool is straightforward and requires just two types of input:

  1. Amount: Enter all deposits and capital additions as positive numbers (e.g., 10000). Enter all withdrawals, redemptions, or final closing values as negative numbers (e.g., -120000).
  2. Date: Enter the exact date the cash flow occurred. The sequencing of dates is automatically managed by the calculator for accuracy.

Pro-Tip: For the final valuation of your investment (e.g., the current market value of your portfolio), enter that value as a single, negative cash flow on today’s date to treat it as a final redemption.

Start calculating your true, time-weighted returns today and make smarter, data-driven investment decisions!

Online XIRR tool displaying accurate annualised return using variable cashflows and graphical performance output
Compute XIRR from multiple cashflows and track real performance of your SIP and mutual fund investments

Frequently Asked Questions (FAQ)

Q1: What is the main benefit of using an XIRR calculator over other return metrics?

The main benefit is accuracy. An XIRR calculator accounts for the exact dates of all your cash flows (deposits and withdrawals), providing the true annualized rate of return (yield) on your irregular investments. Simpler metrics like CAGR ignore intermediate transactions, while standard IRR assumes perfectly regular intervals, leading to misleading results for real-world portfolios like SIPs or equity trades.

Q2: How do I enter the data into the XIRR tool correctly?

You must enter two pieces of data for every transaction: the amount and the date.

  1. Investments/Deposits: Enter these amounts as positive numbers (e.g., 5000).
  2. Withdrawals/Redemptions: Enter these amounts as negative numbers (e.g., -60000).
  3. Final Value: The current market value or final redemption amount should also be entered as a negative cash flow on today’s date to close the calculation loop.

Q3: Can I use this XIRR calculator for my Systematic Investment Plan (SIP)?

Yes, absolutely. XIRR is the most appropriate and accurate tool for any SIP return calculator. Since each installment in a SIP is invested for a different duration, the XIRR correctly calculates the weighted rate of return for the entire series of deposits, giving you a precise measure of your Extended Internal Rate of Return.

Q4: What does a high or low XIRR percentage mean for my investments?

A higher XIRR indicates a more efficient and profitable investment, as it shows a greater annualized return on the capital you committed. Conversely, a lower XIRR suggests the investment is underperforming relative to market benchmarks or other opportunities. Comparing the XIRR of different portfolios is the best way to evaluate relative success.

Q5: Is the XIRR calculation the same as the yield on my Mutual Fund statement?

They are closely related. Fund houses typically report the Time-Weighted Rate of Return (TWRR) for the scheme itself, which measures the fund manager’s performance. Your personal XIRR measures the Money-Weighted Rate of Return (MWRR), which reflects your specific investment decisions (timing and amount of contributions). For individual financial planning, the XIRR is the most relevant number.

Related Tools and Directory

Advanced XIRR calculator with date-wise transactions and real return percentage for SIP and lump-sum investments
Calculate true annualised returns on irregular investments using our powerful XIRR Calculator