XIRR Calculator
Calculate the exact Extended Internal Rate of Return for your portfolio.
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).
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XIRR Calculator – Measure Your True Portfolio Performance
If you are investing in Mutual Funds, Stocks, or executing Systematic Investment Plans (SIPs), standard return metrics will lie to you. This engine calculates your exact Extended Internal Rate of Return (XIRR).
Did you know that withdrawing your mutual fund on a Friday instead of a Monday mathematically changes your overall return? Because XIRR discounts cash flows on a strict daily basis, shifting your redemption or SIP date by just 72 hours alters the algorithmic discount rate. In portfolio mathematics, every single calendar day counts.
What Exactly is XIRR?
XIRR stands for Extended Internal Rate of Return. It is a financial function used to calculate the annualized yield of an investment where cash flows (deposits and withdrawals) occur at irregular intervals.
If you put ₹1 Lakh in a Fixed Deposit and leave it for 3 years, you use Compound Annual Growth Rate (CAGR). But if you invest ₹5,000 every month on different dates, CAGR mathematically breaks down. XIRR solves this by treating every single ₹5,000 deposit as its own independent investment, measuring exactly how many days it spent in the market, and averaging out a single, unified annualized return.
The engine solves for the discount rate (r) that makes the Net Present Value (NPV) zero.
Where:
Ct = Cash flow amount at period t (Negative for deposits, Positive for withdrawals)
dt = Date of the specific cash flow
d1 = Date of the very first investment
r = The XIRR (Annualized Rate)
Shatter the Dashboard Illusion
Mutual fund apps intentionally hide your actual realized returns behind simplified metrics. Discover the "SIP Drag" phenomenon and understand why your personal XIRR rarely matches the fund's advertised CAGR.
Read the XIRR Master GuideFrequently Asked Questions
Why is my XIRR absurdly high (or low) in the first 6 months?
XIRR is an annualized metric. If you make a quick 5% profit in just two months, the algorithm assumes you will continue making 5% every two months for a full year, aggressively inflating the percentage. XIRR is only a reliable metric for portfolios that have been active for more than 12 months.
Can I use XIRR to measure a loan or mortgage?
Absolutely. If you take a loan (positive cash inflow) and pay irregular EMIs or lump-sum prepayments (negative cash outflows), calculating the XIRR of those transactions will reveal the exact, true effective interest rate the bank is charging you.
What is a "Good" XIRR for an Indian investor?
Given India's historical inflation rate of roughly 5.5% to 6%, any XIRR below 7% means you are losing purchasing power after taxes. Historically, a well-diversified Indian equity portfolio targets an XIRR between 12% and 14% over a 7 to 10-year horizon.
Actuarial & System Assumptions
This simulation engine is provided for illustrative, educational, and strategic planning purposes only. It does not constitute a financial contract, legal guarantee, or fiduciary advice.
Calculations rely on deterministic inputs and compounded mathematical growth models. Real-world inflation, sequence of returns, market volatility, and asset degradation will cause actual results to deviate.
Tax brackets, government subsidies (e.g., PM Surya Ghar), and statutory interest rates are subject to continuous legislative amendments. This engine does not guarantee real-time legal compliance.
Rupee Logics is a mathematical simulator, not a SEBI-registered entity. Users are strictly advised to verify all capital allocations and liability assumptions with certified financial professionals.