Investment Calculator
XIRR Calculator
The true annualised return on your portfolio, even with uneven investments over time.
What is XIRR?
XIRR (Extended Internal Rate of Return) is the annualised return that accounts for irregular cashflows, exactly the situation with most SIPs, dividends, and partial withdrawals.
Formula
XIRR is solved iteratively, there's no closed-form equation. The calculator above solves for the monthly rate r such that FV of contributions matches actual final value, then annualises it.
Worked example
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If you contributed ₹10,000/month for 10 years and now have ₹25,00,000, your XIRR is approximately 14.3% p.a.
Frequently asked questions
Why XIRR instead of CAGR?
CAGR assumes a single investment and single withdrawal. XIRR handles multiple investments over time, essential for SIPs.
Is XIRR the same as IRR?
XIRR is IRR with dates, it weighs cashflows by when they happened, giving a more accurate annualised return.
What's a good XIRR?
12%+ on equity is solid. 15%+ is excellent. Compare yours against benchmark index returns over the same period.