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.
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XIRR — अनियमित नकद प्रवाह
निवेश ऋणात्मक हैं, रिडेम्पशन और वर्तमान मूल्य धनात्मक हैं। Excel और Sheets XIRR() की तरह।
- वार्षिक XIRR
- 8.85%
- कुल निवेशित
- ₹40,000
- कुल रिडीम / मूल्य
- ₹48,000
आपके आँकड़ों का मतलब
You gained ₹8,000 on ₹40,000 invested (20.0% in total).
XIRR turns that into a yearly rate of 8.85% by accounting for when each rupee went in and came out.
Your return beats 6% inflation by 2.9% points a year.
Assuming 6% yearly inflation, this investment is growing your real purchasing power.
At 8.9% a year, your money doubles roughly every 8.1 years.
Based on the rule of 72 (72 ÷ annual return), a quick estimate of compounding speed.
- शुद्ध नकद प्रवाह
- ₹8,000
- रिडेम्पशन − निवेश
- नकद प्रवाह
- 5 पंक्तियाँ
- अलग-अलग तिथियों पर ≥1 ऋणात्मक और ≥1 धनात्मक चाहिए
Uses actual calendar days and a 365-day year. Include terminal market value as a positive cashflow. All-same-day streams have no annualised return. Cashflows with repeated sign changes can have multiple roots or no root; a returned root is not necessarily unique.
अपनी गणना समझें
XIRR measures the annualised money-weighted return of dated cashflows. Investments are negative; withdrawals and terminal market value are positive. Unlike CAGR, it accounts for the timing of SIPs, top-ups and partial redemptions. This calculator solves the standard discounted-cashflow equation on actual calendar dates with a 365-day year. Some cashflow patterns have no root or multiple roots.
XIRR Calculator कैसे उपयोग करें
- 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
Enter positive cash actually received as withdrawals or dividends. For a whole-portfolio return, exclude internal switches between holdings: they are not investor cashflows. A reinvested distribution within that portfolio should not be counted again as an external contribution.
- 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.
उदाहरण
Four uneven investments, one redemption
You invested ₹10,000 on 1 April 2022, 1 October 2022, 1 April 2023 and 1 April 2024, and redeemed everything for ₹48,000 on 1 April 2025. Each date is converted to years since the first cashflow (actual days ÷ 365), so the redemption sits at 1,096 ÷ 365 ≈ 3.003 years. The calculator searches for the rate at which the discounted values of all five cashflows add up to zero, and lands on 8.85% a year.
- Total invested
- ₹40,000 over four dates
- Redemption value
- ₹48,000 on 1 April 2025
- Net gain
- ₹8,000
- Absolute return
- 20%
- XIRR
- 8.85% a year
A 20% total gain looks like about 6% a year if you spread it over three years, but much of the money was invested for less than that. XIRR credits each rupee only for the time it was actually invested.
इसकी गणना कैसे होती है
XIRR is the rate x that solves Σ amount_i ÷ (1 + x)^(t_i) = 0, where t_i is the number of days between cashflow i and the first cashflow, divided by 365. Investments are negative and redemptions or current value are positive. Cashflows on the same date are added together first.
The calculator starts at 10% and uses Newton's method to home in on the answer. If that doesn't settle, it scans a wide range of rates for a sign change and narrows down by bisection, preferring the root closest to 10% when there's more than one. A rate is reported only when the equation balances to within a tight tolerance; otherwise no rate is returned, rather than a misleading zero.
Every row needs a valid date in YYYY-MM-DD form and a finite amount. After same-day cashflows are combined, there must be at least one negative and one positive amount, on different dates. The tool also reports total invested, total redeemed and the net cashflow.
अक्सर पूछे जाने वाले प्रश्न
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?
It solves the same actual-days/365 NPV equation and starts at 10 percent. Conventional streams with a unique root should agree within numeric tolerance. With multiple roots or difficult cashflows, spreadsheet solvers may return a different root or an error. A returned rate does not prove uniqueness.
What does it mean when XIRR fails to converge?
Check for invalid or blank dates, non-finite amounts, missing positive or negative cashflows, or all effective cashflows on one date. Same-day cashflows are aggregated. A stream may also have no root or multiple roots. Rates below -99 percent are supported when numerically representable; failure is not treated as a zero return.
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?
It reflects exactly the amounts entered. To measure post-tax performance, enter actual net receipts or a terminal value net of estimated exit tax. To measure pre-tax performance, use gross amounts. Do not deduct the same tax twice.
अंतिम बात
Use XIRR to review dated investor cashflows, including terminal value for holdings not yet sold. Compare the result with your records and check for internal transfers or duplicate entries. Non-conventional cashflows can have multiple valid rates; a numerical root alone is not a complete economic interpretation.
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