XIRR Calculator

What This XIRR Calculator Does

XIRR (Extended Internal Rate of Return) calculates the annualised return of an investment with irregular, dated cash flows - multiple investments and withdrawals on different dates, not a single lumpsum or an evenly-spaced SIP. It is the correct way to measure returns on a portfolio you have added to or withdrawn from at different, uneven times.

The Formula

XIRR finds the discount rate that makes the net present value of every cash flow (negative for money invested, positive for money received or its current value) equal to zero, accounting for the exact number of days between each date. There is no closed-form formula - this calculator solves it numerically using the Newton-Raphson method, the same approach spreadsheet software uses internally.

How to Use It

Add a row for every cash flow: the date and amount for each investment (entered as a negative number, since it is money leaving your pocket), and a final row for the current value or amount received (entered as positive). Add as many rows as you need using "+ Add Cash Flow" for irregular top-ups or partial withdrawals. The result updates as soon as there is at least one negative and one positive entry.

Why XIRR Matters

A simple CAGR calculation assumes one lumpsum growing to one final value - it breaks down the moment you've added money at different times, which is exactly how most real portfolios actually work. XIRR is the standard measure Indian mutual fund platforms use for exactly this reason.

Who This Is For

Investors who have made multiple investments (or withdrawals) into the same fund or portfolio on different dates and want one honest, correctly-annualised return figure for the whole thing, rather than trying to average several separate CAGR calculations.

Quick Example

If you invested ₹50,000 eighteen months ago, added another ₹30,000 six months ago, and your holding is worth ₹95,000 today, entering those three dated amounts (the first two as negative, the current value as positive) gives you one XIRR figure reflecting the true blended, time-weighted return of both investments together.