XIRR Calculator
Calculate accurate annualized returns for irregular investments and SIPs.
Enter your investments, withdrawals, and final portfolio value across different dates to compute the Extended Internal Rate of Return (XIRR).
Cash Flows
Add your transaction history.
Mode
Transactions
What the investment is worth on the evaluation date.
Results summary
Annualized XIRR Return
12.82%
Internal Rate of Return
Your portfolio generated an XIRR of 12.82% after investing a total of ₹1,50,000 to reach a final value of ₹2,00,000.
Total Invested
₹1,50,000
≈ 1.50 L
Total Withdrawals
₹0
Final Value
₹2,00,000
≈ 2.00 L
Net Gain / Loss
₹50,000
Absolute Return
33.33%
About
Understanding XIRR
XIRR (Extended Internal Rate of Return) is widely considered the gold standard for measuring returns in personal finance. Unlike a simple CAGR, which only works well if you make a single lump sum investment, XIRR considers the exact date of every deposit and withdrawal. This makes it perfect for tracking SIPs, random top-ups, and active portfolios.
FAQ
Frequently asked questions
Extended Internal Rate of Return (XIRR) is a way to calculate the annualized return of an investment where cash flows (investments and withdrawals) happen at irregular intervals. It acts as a single, steady growth rate that would result in the same final value.