XIRR Calculator — The Return Number Your SIP App Won't Show

Money went in on different dates, some came out, and the fund shows only today's value. XIRR is the single annualised rate that explains it all - the same number Excel's XIRR() returns.

Negative = money invested, positive = money withdrawn. Dates in any order - they get sorted. Edit freely; results update live.

₹
Your XIRR (Annualised Return)
-
across all cashflows and dates
Total Invested
-
-
Total Returned + Current
-
withdrawals plus today's value
Absolute Gain
-
-

📌 Reading Your XIRR

Your Cashflows, Sorted

DateCashflowDays Held (to valuation)

What XIRR Actually Solves

XIRR finds the single rate r where every cashflow, grown or shrunk for exactly its own number of days, nets to zero:

Σ CFi / (1 + r)daysi/365 = 0

Worked Example

Invest ₹1,00,000 on 1 Jan 2024, worth ₹1,21,000 on 1 Jan 2026 (exactly 2 years):

1. 1,21,000 / (1 + r)2 = 1,00,000
2. (1 + r)2 = 1.21
3. XIRR = 10.00% - with one inflow and one outflow, XIRR equals CAGR

XIRR vs CAGR vs Absolute Return

  • Absolute return ignores time completely - "up 25%" means nothing until you know over how many years.
  • CAGR handles exactly two points: one investment, one exit. Any top-up or redemption breaks it.
  • XIRR handles the real world: 12 SIP instalments, a bonus top-up, a partial redemption for a phone - each weighted by its exact days invested.
  • Reality check: Mutual fund apps show XIRR for your SIP investments. If yours differs slightly, it is usually a NAV date or a day's difference in counting.

XIRR FAQs

XIRR annualises whatever happened, however short the window. A 3% gain in one month annualises to over 40% - mathematically true, practically meaningless. XIRR becomes a stable, meaningful number after about a year of cashflows; before that, read the absolute gain instead.

Money leaving your pocket is negative (SIP instalments, top-ups, switches in). Money arriving is positive (redemptions, dividends received, switches out). The current value counts as a positive on the valuation date - imagine selling everything today. If every entry has the same sign, no rate exists and the calculator will say so.

Yes - same equation, same day-count convention (actual/365). Small differences against Excel or a fund app come from rounding, time-of-day in timestamps, or a missed cashflow line, not from the method.