XIRR calculator
List each cash flow with its date — investments as negative numbers, redemptions and the current value as positive numbers. The calculator solves for the rate that makes the net present value zero.
Your cash flows
Use a minus sign for money you invested (SIP instalment, purchase) and a plain number for money you received (redemption, dividend, current value).
Last cash flow tip: add today's date with the current value of the investment as a positive number — that is how a mutual fund statement's XIRR is worked out.
XIRR (annualised return)
207.16%
2 cash flows over 0.08 years
- Total invested
- ₹1,00,000
- Total received
- ₹1,10,000
- Net gain
- ₹10,000
- Absolute return
- 10.00%
- Span
- 31 days
- Invested₹1.00 L · 90.9%
- Net gain₹10.00 K · 9.1%
XIRR gives every cash flow its own holding period, so it is the right number for SIPs, staggered purchases and part withdrawals. CAGR assumes a single lumpsum and understates or overstates returns when money moved in between.
How to use this calculator
List each cash flow with its date — investments as negative numbers, redemptions and the current value as positive numbers. The calculator solves for the rate that makes the net present value zero.
Free XIRR calculator for SIPs, staggered purchases and part withdrawals. Enter every cash flow with its date and get the annualised return, total invested, total received and net gain.
Frequently asked questions
What is the difference between XIRR and CAGR?+
CAGR assumes one lumpsum invested for one fixed period. XIRR gives every cash flow its own holding period, so it is the correct figure for a SIP or any portfolio where money moved in or out.
How do I value a portfolio that is still running?+
Add one final cash flow dated today with the current market value as a positive number. That closes the calculation exactly the way a mutual fund statement does.