XIRR Calculator
Calculate XIRR — the true annual return for investments with irregular cash flows and dates. Ideal for SIPs with withdrawals and part redemptions.
XIRR
10.05%
Per year over 3 years
Total gain
₹25,000
Inflows ₹1,25,000 vs investment ₹1,00,000
XIRR accounts for the exact dates of each cash flow, unlike CAGR or IRR. Use it for SIPs with withdrawals, part redemptions or any investment where money moves in and out on different dates.
Last updated: August 2026
How this calculator is verified
Checked by True Calculator automated test suite on
- Formula verified against a published worked example in the automated test suite
- Edge cases (zero, negative, boundary and unit-mismatch inputs) covered by unit tests
The full verification method is on our how we verify page. Found an error? Tell us and we will re-check it.
When to Use This Calculator
XIRR is the return metric for anyone whose money moves on irregular dates, which describes most Indian investors. SIP investors paying monthly instalments for years, investors making partial redemptions for a house down payment, parents switching between child-education funds, and employees rolling over provident fund balances between employers all face cash flows that no single lump-sum formula can handle. XIRR also settles the classic question of whether a fund's advertised return matches what you personally earned — your instalment timing determines your actual rate. Beyond mutual funds, it works for rental properties with irregular income and repairs, business loans with staggered repayments, and insurance policies with premium and maturity schedules. Whenever an Excel spreadsheet of dates and amounts exists, XIRR converts it into one honest annualised percentage.
How to Use This Calculator
- Step 1: Enter the initial investment amount and the exact date it was invested.
- Step 2: Add up to two withdrawals — cash flows out — with their exact dates, or leave them at zero.
- Step 3: Enter the value at maturity — or today's market value — and its date.
- Step 4: Read the XIRR, which is the annualised return accounting for every cash flow's actual date.
Worked Example
A Delhi investor put ₹1,00,000 into a fund on 1 April 2024, withdrew ₹25,000 on 1 April 2025 and ₹30,000 on 1 April 2026, and the remaining holding was worth ₹70,000 on 1 April 2027. The calculator returns an XIRR of 10.05% per year over the 3-year span. Total inflows of ₹1,25,000 against the ₹1,00,000 invested look like a 25% gain, but XIRR correctly credits the early withdrawals for earning returns only until the dates they were taken out.
Tips and Common Mistakes
- •Tip 1: Use actual statement dates, not rounded dates — a few days shift XIRR by noticeable basis points.
- •Tip 2: For an ongoing SIP, add today's portfolio value as the final inflow at today's date.
- •Tip 3: Compare your XIRR with the fund's 3-year CAGR to see whether your timing helped or hurt.
- ✗Mistake 1: Entering all flows with the same sign — XIRR needs at least one negative (money in) and one positive (money out) flow.
- ✗Mistake 2: Forgetting that the maturity date must fall after the investment date, or the calculation becomes meaningless.
Frequently Asked Questions
When should I use XIRR instead of CAGR?
Use XIRR when money moves in and out on irregular dates — SIP instalments, partial redemptions, dividends or switch transactions. CAGR only fits a single lump sum held untouched from start to finish.
How does XIRR treat negative cash flows?
Outflows like your initial investment and each SIP instalment are entered as negative amounts, while inflows like redemptions and maturity value are positive. XIRR finds the annual rate where the present value of all inflows equals the present value of all outflows.
Is XIRR the same as IRR?
IRR assumes cash flows occur at equal intervals, while XIRR uses each flow's exact date, converting the difference into days. For SIPs and any investment with irregular dates, XIRR is the more accurate measure.
Why does my SIP show a different XIRR than the fund's advertised return?
The fund's advertised CAGR is for a lump sum held through the period. Your SIP invested money at different prices over time, so your cash-flow-weighted return differs. XIRR is the honest way to report your own SIP's return.
What if my investment hasn't matured yet?
Treat today's market value as the final inflow at today's date. The result is your annualised return to date, which you can re-calculate after every statement for a rolling view of performance.
Compare these tools
- Future Value Calculator — Find what your money grows into with compound interest at any frequency
- Gratuity Calculator (India) — Calculate gratuity under the Payment of Gratuity Act, 1972 with the 15/26 formula and the ₹20 lakh tax-exempt cap for Indian employees
- GST Calculator (India) — Add or remove GST from any amount, with CGST + SGST split for intra-state and IGST for inter-state supplies
You might also need
Related calculators from other categories
Health & Fitness
BMR Calculator
Calculate your basal metabolic rate with Mifflin-St Jeor or Katch-McArdle equations. Know how many calories you burn at rest.
Science & Weather
Flow Rate Calculator
Calculate pipe flow rate from diameter and velocity or volume over time, with mass flow from fluid density. Convert L/s, L/min and m³/h.
Math
Geometric Mean Calculator
Find the geometric mean of a set of positive numbers instantly for growth and ratio analysis.
Health & Fitness
Heart Rate Zone Calculator
Find your maximum heart rate and training zones from 50% to 100% intensity. Optimise your cardio and fat-burn workouts with personalised zones.