XIRR Calculator - Extended Internal Rate of Return

Calculate the Extended Internal Rate of Return (XIRR) for your SIP investments with irregular transactions. XIRR is the most accurate way to measure investment performance when cash flows occur at different dates.

Regular investment amount
Total number of investments
Current value of your investment
Transaction Details
Date Amount (₹) Type Action
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XIRR Calculator FAQ

XIRR (Extended Internal Rate of Return) is a method to calculate returns on investments where there are multiple transactions happening at different times. It's more accurate than simple CAGR or absolute returns for SIP investments.

CAGR assumes a single investment at the beginning, while XIRR accounts for multiple investments at different time periods. XIRR is more accurate for SIP investments as it considers the timing of each cash flow.

A good XIRR rate depends on the investment type and market conditions. For equity mutual funds, 12-15% XIRR is considered good. For debt funds, 7-9% is reasonable. Always compare with relevant benchmarks.

Use the XIRR function in Excel: =XIRR(values, dates, [guess]). Enter investments as negative values and redemptions/current value as positive values. Include all transaction dates and amounts.

Negative XIRR indicates your investment has lost money. This happens when the current value is less than the total invested amount. Market downturns, poor fund performance, or early withdrawal can cause negative XIRR.

About XIRR Calculator

Our XIRR calculator helps you accurately calculate the Extended Internal Rate of Return for your SIP investments. Unlike simple return calculations, XIRR considers the timing of each investment and redemption, providing a precise measure of your investment performance. Whether you invest monthly, quarterly, or at irregular intervals, this calculator handles all types of cash flow patterns to give you the most accurate return calculation.

Key Features:

  • Support for multiple investment frequencies (Fortnightly, Monthly, Quarterly, Half-yearly, Yearly)
  • Custom transaction addition for irregular investments/redemptions
  • Visual cash flow timeline and investment breakdown charts
  • Performance comparison with market benchmarks
  • Detailed transaction summary and analysis
  • Mobile-responsive design for easy access on any device

Why Use XIRR Calculator?

Traditional return calculations like absolute returns or CAGR don't account for the timing of your investments. XIRR provides the most accurate measure of your investment performance by considering when each investment was made. This is particularly important for Systematic Investment Plans (SIPs) where you invest regularly over time. Our calculator makes it easy to track your real returns and compare them with market benchmarks to make informed investment decisions.