XIRR Calculator
Calculate accurate returns for SIPs and investments with irregular dates.
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Why You Need XIRR
When you invest via SIP (Systematic Investment Plan) or buy stocks on different dates, simple metrics like CAGR don't work. XIRR (Extended Internal Rate of Return) is the only accurate way to measure returns because it considers the exact dates of each transaction.
XIRR tells you: "If my money grew at X% per year compounded, I'd get this result." It's the gold standard for measuring mutual fund, SIP, and portfolio returns.
Understanding XIRR
Date-Based Returns
XIRR uses exact dates, not periods. Money invested 300 days ago is treated differently than money invested 30 days ago.
Annualized Return
XIRR gives you an equivalent annual rate. Whether your investment ran 6 months or 5 years, you get a comparable yearly percentage.
Multiple Cash Flows
Perfect for SIPs with monthly additions, lump sums, and partial redemptions—all handled in one calculation.
Benchmark Comparison
Compare your XIRR against fund benchmarks (Nifty 50, S&P 500) to see if your investment is beating the market.
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Frequently Asked Questions
What is XIRR?
XIRR (Extended Internal Rate of Return) calculates annualized returns for investments with irregular cash flows. Unlike CAGR or simple IRR, XIRR accounts for the exact dates of each transaction, making it perfect for SIPs, stock purchases, and portfolio analysis.
When should I use XIRR vs IRR?
Use IRR when cash flows occur at regular intervals (monthly, yearly). Use XIRR when dates are irregular—SIP on 5th Jan, another on 12th March, withdrawal on 25th July. XIRR handles any date pattern accurately.
How is XIRR calculated?
XIRR finds the discount rate where NPV equals zero, but uses actual dates instead of periods. The formula considers the exact number of days each amount was invested. Our calculator uses Newton-Raphson iteration for accurate results.
XIRR vs CAGR: which is better?
CAGR only works for lump sum investments (one investment, one final value). XIRR handles multiple investments and withdrawals on different dates. For SIPs or regular additions, XIRR is the only accurate metric.
What is absolute return vs XIRR?
Absolute return is total profit as % of investment (e.g., +25%). It ignores time. XIRR annualizes the return, showing what you earned per year. A 25% absolute return in 6 months is about 56% XIRR, while 25% in 3 years is about 7.7% XIRR.
How do I enter SIP transactions?
Enter each monthly SIP as a separate row with date and negative amount (e.g., -5000). For the final row, enter today's date with the current portfolio value as positive. Our calculator has a 12-month SIP preset for quick setup.
What is a good XIRR for mutual funds?
Benchmarks vary by market and fund type. Equity funds in India typically aim for 12-15% XIRR long-term. US S&P 500 historically returns about 10% annually. Debt funds expect 6-8%. Compare your XIRR against the fund's benchmark index.
Can XIRR be negative?
Yes, negative XIRR means you're losing money on an annualized basis. If current value is less than total invested, XIRR will be negative. This could be temporary for volatile investments like equity.
How do I handle partial redemptions?
Enter redemptions as positive amounts on their dates. You can have multiple positive entries for partial withdrawals. The last entry should be current remaining value. XIRR will calculate the overall return considering all inflows and outflows.
Why does my XIRR differ from fund house reports?
Fund houses may use different date conventions (T+1 vs T+2 settlement), or show point-to-point returns. Small date differences can affect XIRR. Ensure you use actual transaction dates from your statements for accurate personal XIRR.