XIRR calculator

Work out the annualised return on investments made at different times, such as SIPs, top-ups and partial withdrawals, exactly as Excel's XIRR does.

Last reviewed 19 October 2026

Your cash flows

Add every investment and withdrawal with its date. The example is editable.

Current valueWhat the investment is worth now, or what you finally redeemed

₹

Your XIRR

Annualised return that accounts for the date of every cash flow.

XIRR10.16%a year, from 6 cash flows valued on 2026-10-19

Total invested₹1,70,000

Withdrawn + current value₹2,30,000

Gain₹60,00035.29% absolute return

Your absolute return is 35.29%, but the money was invested at different times over 4.5 years. XIRR accounts for when each rupee went in, giving 10.16% a year.
Had every investment earned 7% in an FD instead, you would have about ₹1,89,548 on 2026-10-19, so this portfolio is ahead by ₹20,452 before tax.
XIRR is the same as a CAGR when there is only one investment and one value; for SIPs it is the fairer measure, because later instalments have had less time to grow.

Cash flows in date order

Money out is negative, money in is positive, as in Excel's XIRR.

Date	Type	Cash flow	Years to valuation
2022-04-05	Investment	-₹50,000	4.54
2022-10-12	Investment	-₹25,000	4.02
2023-06-20	Investment	-₹40,000	3.33
2024-01-15	Withdrawal	₹20,000	2.76
2024-08-02	Investment	-₹30,000	2.21
2025-03-10	Investment	-₹25,000	1.61
2026-10-19	Current value	₹2,10,000	0.00

About this calculator

How to use the XIRR calculator

Edit the example rows or clear them and add your own.
For each row enter the date, choose invest or withdraw, and enter the amount.
Enter the current value of the holding and the date it is valued on.
Read your XIRR, total invested, gain and absolute return.
Share the link to save your cash flows.

XIRR formula

Σ C_i ÷ (1 + r)^{(d_i − d₀) ÷ 365} = 0

C is each cash flow (negative when you invest), d its date and d₀ the first date. There is no closed form, so the calculator solves for r with Newton–Raphson and falls back to bisection if that fails to converge.

Checked against Excel

Microsoft's XIRR help page uses these cash flows and gives 37.34%. This calculator returns 37.34%.

Date	Cash flow
2008-01-01	-₹10,000
2008-03-01	₹2,750
2008-10-30	₹4,250
2009-02-15	₹3,250
2009-04-01	₹2,750

SIP example

A ₹10,000 monthly SIP for 3 years (36 instalments) that grows at 1% a month is worth ₹4,35,076 one month after the last instalment. Its XIRR is 12.68%, the effective yearly rate of 1% a month (often quoted as 12% a year); XIRR uses a 365-day year, so it differs slightly from 1.01¹² − 1. See the SIP calculator to project future value.

Frequently asked questions

What is XIRR?

XIRR (extended internal rate of return) is the single yearly rate that makes the present value of all your cash flows add up to zero, using the actual date of each one. It is the standard way to measure returns on SIPs, top-ups and partial withdrawals.

How do I calculate XIRR in Excel?

List investments as negative amounts and withdrawals or the current value as positive amounts in one column, their dates in another, then use =XIRR(values, dates). This calculator uses the same 365-day convention and gives the same answer.

What is the difference between XIRR and CAGR?

CAGR measures growth between one start value and one end value. XIRR handles many cash flows on different dates. For a single lumpsum held throughout, the two are the same.

Why is my SIP XIRR different from the absolute return?

Absolute return just compares total gain with total invested. In a SIP the last instalments have been invested for only a short time, so the same gain over a shorter average period means a higher annualised XIRR.

Why does the calculator say there is no XIRR?

XIRR needs at least one money-out and one money-in entry on different dates. If all amounts have the same sign, or the cash flows cannot balance at any rate, there is no answer.

Is a high XIRR over a few months meaningful?

Not much. A 5% gain in one month annualises to about 80%. XIRR is most useful for holdings of a year or more.

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Results are estimates for illustration, not tax or financial advice.