XIRR Calculator — Return on Irregular Cashflows
XIRR gives the true annualised return when your investments and withdrawals happen on different dates and in different amounts — exactly how real SIPs, top-ups and redemptions work. Enter each dated cashflow (negative for money invested, positive for money received) to get your XIRR.
Formula
XIRR is the rate r that makes the net present value zero: Σ CFᵢ / (1+r)^(daysᵢ/365) = 0, solved numerically.
Example
Three ₹10,000 investments over two years and a ₹38,000 final value produce a specific annualised XIRR — far more accurate than a simple return.
Frequently Asked Questions
What's the difference between CAGR and XIRR?
CAGR assumes a single lump-sum and one time period; XIRR handles multiple cashflows on arbitrary dates, so it's correct for SIPs.
Is a good XIRR above 12%?
For equity mutual funds, a long-term XIRR of 12%+ is generally considered healthy, but it varies with market cycles and risk.
Related calculators
- SIP Calculator — Mutual Fund SIP Returns
- Lumpsum Investment Calculator
- Goal-Based Investment Calculator
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