XIRR Calculator
Free XIRR calculator for Indian investors. Compute the annualised return on irregular SIPs, lumpsum top ups and partial redemptions. Matches Excel and Google Sheets XIRR.
XIRR, short for Extended Internal Rate of Return, is the gold standard for measuring the annualised return of an investment with irregular cashflows. CAGR works when there is one inflow and one outflow at known dates. The moment you add monthly SIPs, ad hoc top ups, partial redemptions or step ups, only XIRR gives the right answer. This calculator computes XIRR for any series of dated cashflows using the same algorithm Excel and Google Sheets use, so the result you see here matches the one you would get in a spreadsheet.
XIRR — irregular cashflows
Investments are negative, redemptions and current value are positive. Same convention as Excel and Sheets XIRR().
Why use the XIRR Calculator
Most Indian investors hold a portfolio that grew by accident. Some money went in as lumpsum, some via SIP, some during a market dip, some redeemed for a wedding. Asking what return you actually earned is harder than it looks. The CAS statement tells you the value but not the rate. The fund factsheet tells you the fund return but not your return. XIRR is the right tool. Paste in every investment and every redemption with its date, and the calculator returns the single annualised rate that explains the whole journey.
Benefits at a glance
Matches Excel and Google Sheets XIRR
The implementation uses Newton-Raphson with a safe bisection fallback, the same approach spreadsheets use. The result agrees with the Excel XIRR() function to several decimal places.
Handles any cashflow pattern
Mix of SIPs, lumpsum top ups, dividends, partial redemptions and the final value all work in a single calculation. There is no upper limit on the number of cashflows you can enter.
Useful for whole portfolio review
Aggregate every fund or even every asset class and run one XIRR to see your real annualised return. This is the number that matters, not the headline fund return.
Spot check fund house statements
AMC and broker statements often show inconsistent return numbers. Run the XIRR yourself on the cashflows from your CAS to get an authoritative figure.
Free, private and instant
Cashflows never leave your browser. No login, no email, no tracking.
How to use the XIRR Calculator
- 1
Add each investment as a negative amount
Enter the date and the amount of every contribution. Use a negative sign because the cash leaves your pocket. Monthly SIPs become twelve rows per year, each on the actual SIP debit date.
- 2
Add every redemption as a positive amount
Partial redemptions, dividend payouts and switches out are positive amounts on the date the cash hit your bank or was reinvested. If you have not redeemed, skip this step.
- 3
Add the current value as a positive amount on today's date
If the investment is still ongoing, add the present market value as a positive cashflow on today's date. This is what tells the calculator how much the remaining holdings are worth.
- 4
Read the annualised return
The result card shows the XIRR as an annualised percentage. It is comparable across investments of different durations and cashflow patterns, unlike absolute or simple return.
Frequently asked questions
What is the difference between XIRR and CAGR?
CAGR assumes one investment at the start and one redemption at the end, so it cannot handle SIPs or top ups. XIRR handles any number of cashflows on any dates and returns a single annualised rate that ties them all together. For Indian SIP investors, XIRR is almost always the right number to look at.
Why is the SIP XIRR different from the headline fund return?
The fund return is the point to point return on the NAV. Your XIRR depends on the dates and amounts of your specific SIP instalments. If the market fell early in your SIP and rose later, your XIRR can be higher than the fund return. If the market rose early and fell later, it can be lower. Both numbers are correct; they answer different questions.
How many cashflows do I need to compute XIRR?
At least one negative (investment) and one positive (redemption or current value) on different dates. There is no upper limit. Most monthly SIP investors end up with 36 to 60 rows for a three to five year horizon.
Does the calculator match Excel XIRR?
Yes. The implementation uses Newton-Raphson on the same NPV equation Excel and Google Sheets solve, with a bisection fallback for difficult cashflow patterns. The result agrees with the spreadsheet XIRR() function to four to six decimal places in most cases.
What does it mean when XIRR fails to converge?
Most often it means the cashflows are not consistent (for example, all positive or all negative on the same day) or the implied rate is below minus 99 percent. Re check that you have at least one negative and one positive amount, that dates are correct and that the present value is included if the investment is ongoing.
How do I export my mutual fund cashflows for XIRR?
The Consolidated Account Statement (CAS) from CAMS or KFintech lists every transaction in your folios with date and amount. Most AMCs also let you download a transaction PDF or Excel. For a portfolio level XIRR, combine cashflows across all funds and add the current portfolio value as a positive amount on today's date.
Is XIRR pre tax or post tax?
The XIRR you compute here is pre tax. To get the post tax XIRR, replace each redemption (or the current value) with the amount net of the capital gains tax that would apply on that redemption. For LTCG on listed equity, that is the gain above ₹1,25,000 per year taxed at 12.5 percent.
Final word
XIRR is the only honest way to score an investment with irregular cashflows. The calculator gives you the same number Excel and Sheets would, without leaving your browser. Use it to audit fund houses, review your real portfolio return and compare investments fairly. Verify any decision driven by the result, especially around exit timing and tax, with a qualified financial advisor before acting.
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