XIRR Calculator

Calculate the exact Extended Internal Rate of Return for your portfolio.

Start Date

Maturity Date

Recurring Investment Amount

₹

₹10,000

Total Maturity Amount

₹

₹4,50,000

Note: The XIRR engine automatically treats your recurring investments as negative cash flows (money out) and the final maturity amount as a positive cash flow (money in). Ensure you enter the exact total maturity value of your portfolio.

Your XIRR

15.04%

Total Invested Amount

₹3,60,000

Total Wealth Generated (Profit)

₹90,000

Master Your Portfolio with Our XIRR Calculator

Calculating the return on a one-time, lump-sum investment is easy. But modern investing rarely works that way. If you invest in Mutual Funds through a Systematic Investment Plan (SIP), or frequently buy and sell stocks, you are dealing with irregular cash flows spread across multiple different dates.

To find your true annualized rate of return, you cannot use basic formulas; you must calculate the Extended Internal Rate of Return (XIRR). XIRR is the gold standard metric used by financial institutions and portfolio managers because it accounts for the exact timing and amount of every single transaction you make. Our calculator utilizes advanced iterative algorithms—the exact same Newton-Raphson mathematical models used by Microsoft Excel—to calculate the precise percentage your money has grown.

XIRR vs. CAGR: Why CAGR is Lying to You

The Compound Annual Growth Rate (CAGR) is a popular metric, but it assumes you invested a single lump sum at the very beginning of your timeframe. If you use CAGR to measure a monthly SIP, the formula assumes all your money was invested on Day 1, which severely drags down your perceived return.

For example, a 3-year mutual fund SIP might show a mediocre 10% CAGR, but the actual XIRR could be over 14%. XIRR correctly gives more weight to the money that has been in the market longer and less weight to the money you deposited just last month. If you have multiple transactions on varying dates, XIRR is the only metric you should trust.

Frequently Asked Questions (FAQs)

What does it mean if my XIRR calculation fails or shows an error?

For the XIRR algorithm to calculate a return, your data must contain at least one negative cash flow (representing your investment/outflow) and at least one positive cash flow (representing your withdrawal or current portfolio value). If your data lacks this sign change, the mathematical equation cannot be solved.

Can I use XIRR for SWPs (Systematic Withdrawal Plans)?

Absolutely. XIRR is perfectly designed for SWPs. Simply enter your initial lump-sum investment, and the calculator will factor in the timing of your periodic withdrawals to show you the exact annualized rate at which your remaining capital is compounding.

Legal Disclaimer: This XIRR Calculator provides an annualized return estimate using the standard iterative Newton-Raphson numerical algorithm. Exact returns may vary slightly due to leap year conventions, exact transaction times, mutual fund exit loads, brokerage fees, and capital gains taxes. This tool is intended for informational and educational purposes only and does not constitute professional financial or tax advice.