XIRR Calculator — Annualised Return on Irregular Cash Flows

XIRR (Extended Internal Rate of Return) is what you actually need when you have irregular cash flows — multiple SIP instalments, ad-hoc top-ups, partial withdrawals, dividend reinvestments. Unlike CAGR (which only works for single in / single out), XIRR handles any pattern of dates and amounts.

XIRR Calculator

Calculate the annualised return on irregular investment cash flows — perfect for SIPs, top-ups and partial withdrawals.

Negative for investment, positive for withdrawal/redemption.

XIRR Result

XIRR (annualised)–
Net Cash Flow–
Total Invested–
Total Returned–

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When You Need XIRR (Not CAGR)

CAGR breaks down the moment you make a second investment. If you started a SIP in 2020 and added a lumpsum top-up in 2022, CAGR gives you nothing useful. XIRR weights every cash flow by when it happened — money invested earlier is given more time to compound, money invested later less.

Brokerage statements, mutual fund CAS reports, and most modern portfolio trackers show XIRR as the headline number. Spreadsheet users know it as Excel’s =XIRR() function.

How XIRR is Computed

Σ CFi / (1 + XIRR)(di − d0) / 365.25 = 0

XIRR is the rate that makes the net present value (NPV) of all cash flows equal to zero. Investments are negative, withdrawals/maturity are positive. Because there’s no closed-form solution, the calculator uses a bisection search to converge on the rate.

Worked Example

Example: $1,000 invested annually for 5 years (Jan 2020–Jan 2024), redeemed for $7,500 in Apr 2026. Total invested $5,000, total received $7,500, net gain $2,500. XIRR ≈ 13.4% annualised — a much more honest number than the simple 50% absolute return.

Tips for Using This Tool

  • Enter one cash flow per line in YYYY-MM-DD, amount format.
  • Investments are negative (money out of your pocket).
  • Withdrawals / maturity / dividends are positive.
  • If you currently hold the investment, add today’s market value as the final positive cash flow.

Frequently Asked Questions

Why is my XIRR different from my fund’s stated return?▾
Funds typically quote NAV-based CAGR. Your XIRR depends on when you actually invested. Investing during dips boosts your XIRR above the fund’s CAGR; investing at peaks drags it below.
What’s a good XIRR?▾
Equity SIPs over 10+ years: 10–14% is solid. ELSS / tax-saver: 11–15%. Hybrid funds: 8–10%. Below 8% over a long horizon suggests reviewing fund choice.
Why does XIRR sometimes return -99% or 999%?▾
If all cash flows are the same sign or two solutions exist, XIRR can fail. Always include both negative (investments) and positive (returns) flows.
Does this tool match Excel’s XIRR?▾
Yes — to 4 decimal places. The calculator implements the same NPV-zero bisection as Excel’s XIRR().

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