XIRR Calculator
Finance & InvestmentAnnualised return on investments made and withdrawn at irregular dates.
Runs entirely in your browser — nothing is uploaded
Features
- Any number of cash flows on any dates.
- Handles top-ups, partial withdrawals and lump sums together.
- Shows the absolute return beside it, so the timing effect is visible.
- Runs entirely in your browser — nothing you enter is uploaded.
How to use the XIRR Calculator
- 1Add each investment as a negative amount with its date.
- 2Add each redemption, or the current value today, as a positive amount.
- 3Read the XIRR — the annualised return accounting for when each rupee moved.
Frequently asked questions
What is XIRR and why does it matter?
It is the annualised rate that makes the present value of all your cash flows come to zero — in plain terms, the return your money actually earned given when it went in and came out. Money invested for two years should not be judged like money invested for two months, and XIRR is what accounts for that.
How do I calculate XIRR for a SIP?
Enter each instalment as a negative amount on the date it was debited, then add the current value as a single positive amount on today's date. That is exactly what a fund house does when it reports your SIP return.
Why is my XIRR different from the fund's published return?
The fund publishes point-to-point returns for a lump sum held over a fixed period. Your XIRR reflects your own dates and amounts. If you invested more when the market was low, your XIRR will beat the fund's figure; if you topped up at every peak, it will lag it.
Why does it say it cannot calculate a rate?
There must be at least one negative amount (money in) and one positive (money out or current value). Without both there is no return to solve for. Very unusual flow patterns can also have no single solution.