XIRR Calculator
Investments & Withdrawals
XIRR (Annualised)
0%
Enter investments as negative amounts and the current value (or withdrawals) as positive, on their actual dates.
XIRR (Extended Internal Rate of Return) calculates your annualised return when money moves in and out on irregular dates and in irregular amounts — exactly what happens with a real SIP that had top-ups, pauses, or partial withdrawals.
Unlike CAGR, which needs just one start value and one end value, XIRR can handle any number of cash flows on any dates, which is why it's the metric mutual fund platforms use to report your "personal" return.
How This Calculator Works
XIRR finds the discount rate at which the net present value of all your dated cash flows equals zero. There's no simple closed-form formula — it's solved by iteration, which is what this calculator does behind the scenes.
Frequently Asked Questions
How do I enter my cash flows?
Enter each investment as a negative amount on the date you invested it, and your current value (or any amount you withdrew) as a positive amount on today's date.
Why does XIRR differ from the return shown on my mutual fund app?
Small differences can arise from rounding, from whether dividends/IDCW payouts are included, or from exactly which date is used as the valuation date. The underlying method is the same.
When should I use XIRR instead of CAGR?
Use CAGR for a single lump sum with one start and end date. Use XIRR whenever you've invested multiple amounts on different dates — which is the case for almost every real SIP.