Cash Flows

Enter your investment cash flows (negative values) and redemptions (positive values)

Date
Amount (₹)
Description

What is XIRR?

XIRR stands for extended internal rate of return. It is the single yearly return that explains all your cash flows together: every investment you made and every withdrawal you took, each on its actual date, ending at your portfolio's current value. In plain words, it answers the question simple averages cannot: what did my money actually earn per year?

When Do You Need XIRR Instead of CAGR?

CAGR works when there is one investment and one exit. But the moment you have a SIP, an occasional top-up, a skipped month or a partial withdrawal, every rupee has been invested for a different length of time. XIRR weighs each of them correctly, which is exactly where XIRR and CAGR part ways. It is the same XIRR() function you may have seen in spreadsheets.

How to Use the XIRR Calculator

The calculator needs every cash flow with its date and direction. Enter your investments as outflows, your redemptions as inflows, and finish with today's portfolio value as the final inflow. Your fund statement or consolidated account statement (CAS) lists exactly these entries. Watch out for three common mistakes: forgetting the closing value, mixing up the signs, and entering the SIP total as one line instead of monthly entries. Each of these produces a confidently wrong answer.

How to Read the Result

An XIRR of 12% means your particular pattern of investments performed the way a fixed deposit paying 12% a year would have. It is worth comparing your XIRR against the fund's own published CAGR for the same period. A big gap usually means your timing, or simply the market's path, helped or hurt you.

Where XIRR is Most Useful

Three situations come up often. Checking your real portfolio return, because a fund can show a 14% CAGR while your personal XIRR is 9% if your largest instalments arrived before a flat stretch. Comparing across products, since XIRR puts a SIP, an insurance policy's premiums and payout, and even a rental property's cash flows on one comparable yearly rate. And auditing your goals, to see whether the return your money is actually earning justifies the risk you are taking.

Mutual fund investments are subject to market risks. Read all scheme related documents carefully. This calculator is an educational tool, not investment advice.

FAQs about XIRR Calculator

CAGR assumes a single investment held start to finish. XIRR handles many cash flows on arbitrary dates, effectively computing a money-weighted annual return — the right metric for SIPs and portfolios with deposits and withdrawals.
The fund's return is time-weighted (one lumpsum, full period). Your XIRR depends on when your money went in — instalments during dips raise it, instalments before falls lower it.
Yes — if your redemption value is below what you invested (adjusted for timing), XIRR is negative, meaning your money shrank on an annualised basis.
Be careful: XIRR annualises everything, so a 3-month gain of 5% shows up as over 20% "per year". For periods under a year, look at absolute returns instead.
Yes — enter every premium as an outflow on its date and the maturity/surrender value as the inflow. The resulting annual rate is directly comparable with PPF or FD returns, which is often the clearest way to see what a bundled product actually earns.
The final cash flow is your portfolio's current value, which moves with the market. Day-to-day wiggles are noise; track XIRR monthly or quarterly for a stable picture.