XIRR Calculator
XIRR (Extended Internal Rate of Return) calculates the annualised return on investments with irregular cashflows — such as SIP investments, MF purchases at different dates, or real estate transactions. Unlike CAGR, XIRR accounts for the exact timing of each cashflow.
Educational estimate. Calculator results are for planning and information only, not financial, tax, medical, legal, or engineering advice. Verify important decisions with official sources or a qualified professional.
XIRR Calculator
Irregular Cashflow Annualised Return Calculator
📐 Formula & Method
XIRR (Newton-Raphson)
Where Cᵢ = cashflow at time i, tᵢ = years from first cashflow, r = XIRR. Solved iteratively.
📋 How to Use
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Enter all cashflows separated by commas. Use negative values for investments (outflows) and positive for redemptions (inflows).
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Enter corresponding dates in YYYY-MM-DD format, one per cashflow.
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Ensure the last cashflow is positive (the redemption/current value).
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Click Calculate to get the annualised XIRR.
XIRR vs CAGR — Which Measures Your Mutual Fund Returns Better?
CAGR (Compound Annual Growth Rate) works well for lumpsum investments with a single entry and exit point. But for SIP investments — where you invest monthly over several years — CAGR gives a misleading picture because it ignores when each unit was purchased. XIRR accounts for the exact timing of every cashflow.
For example, a 3-year SIP of ₹5,000/month (total ₹1.8L invested) that grows to ₹2.2L might show a CAGR of 22% on the final value but an XIRR of only ~14% — because the earlier investments have been compounding longer while later ones have barely started.
XIRR is the standard metric used by mutual fund platforms like Zerodha, Groww, and CAMS for reporting portfolio returns on SIP investments. When comparing funds or advisors, always compare XIRR values, not absolute returns.
🔬 Methodology & Accuracy
Formula: Uses the standard mathematical formula shown in the Formula & Method section above. All computations run client-side in your browser — no data is sent to our servers.
Data sources: Tax bands, contribution limits and regulatory rates are taken from official US (IRS, SSA) and UK (HMRC, gov.uk) publications for the current tax year, and updated when bands change.
Last reviewed: June 2026 · Accuracy: Results are precise to two decimal places using IEEE-754 double-precision arithmetic. Intended for educational and planning use only.
For informational purposes only. Results are estimates based on the inputs and formulas provided. For financial, tax, medical, or legal decisions, consult a qualified professional. Rates and regulations change — always verify current figures with official sources.