XIRR Calculator (Extended Internal Rate of Return)
Calculate the exact annualized return of your real-world investments involving multiple cash inflows, SIP installments, dividend payouts, and partial redemptions.
Transaction Cash Flows
| Date (YYYY-MM-DD) | Cash Flow (₹ Negative=Invested, Positive=Value) | |
|---|---|---|
Tip: The last row should usually be today's date with your current portfolio value as a positive number.
This is the true money-weighted annual return across all your irregular cash flows.
What does your XIRR rate mean?
Based on your cash flows, your realized annualized performance is 16.83%. XIRR accounts for the exact number of days each rupee was invested, making it the most accurate metric for mutual fund portfolios.
- Negative amounts represent cash invested (outflow from your bank account).
- Positive amounts represent redemptions, dividends received, or the current total market value of your portfolio.
- Because money is deployed at different dates and market valuations, simple CAGR is inaccurate for SIPs. XIRR is the industry gold standard used by Zerodha, Groww, and AMFI.
How This Calculator Works
XIRR uses the Newton-Raphson numerical method to find the exact discount rate that sets the Net Present Value (NPV) of all irregular transactions to zero.
Σ [ CF_i / (1 + Rate)^((d_i - d_0) / 365) ] = 0Variables in Formula:
Worked Step-by-Step Example
Four six-monthly investments of ₹25,000 made between Jan 2023 and July 2024 (Total invested: ₹1,00,000), valued at ₹1,22,000 in Jan 2025.
Key takeaway: Because earlier installments had 2 years to compound while the last had only 6 months, XIRR weights each rupee's holding period precisely.
Common Mistakes to Avoid
⚠ Entering all amounts as positive numbers
XIRR requires both negative cash flows (investments) and positive cash flows (current valuation or withdrawals) to solve for the return.
⚠ Omitting the current portfolio value row
Always include your current portfolio value as the final row on today's date with a positive number.
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