XIRR calculator

Your true return across irregular cash flows.

Cash flows

Add every investment and withdrawal with its date. For money still invested, add today's value as “Received” on today's date.

XIRR (annualised)

8.68%

Total invested: ₹2,00,000
Total received / value: ₹2,60,000
Absolute gain: ₹60,000
Absolute return: 30%

XIRR weights each rupee by how long it was invested, which is why it is the right way to measure SIPs and irregular investments. It is the same calculation as Excel's XIRR function.

What this calculates

XIRR is the annualised return on a series of cash flows that happen on different dates, such as SIP instalments, top-ups and withdrawals. It is the standard way to measure your real return.

How it's calculated

Find r such that Σ CFₖ ÷ (1 + r)^((dₖ − d₀) ÷ 365) = 0

CFₖ: each cash flow (investments negative, receipts positive)
dₖ: date of each cash flow

Results are illustrations based on the inputs you choose. Returns are not guaranteed and actual outcomes will vary. This is education, not advice.

Questions about this tool

Yes. It solves the same equation, using Newton's method with a bisection fallback.

The fund's return assumes a single investment. Your XIRR reflects when you actually invested, so good or bad timing shows up in it.

XIRR calculator

What this calculates

How it's calculated

Questions about this tool

Is this the same as Excel's XIRR?

Why is my XIRR different from the fund's return?

XIRR calculator

What this calculates

How it's calculated

Questions about this tool

Is this the same as Excel's XIRR?

Why is my XIRR different from the fund's return?