XIRR Calculator
Calculate the true annualised return of an investment with irregular cash flows — the correct method for SIPs, top-ups and staggered withdrawals.
Show solution steps
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What is the XIRR Calculator?
XIRR (Extended Internal Rate of Return) is a single annual rate of return that accounts for the exact timing and size of every cash flow. It's the right way to measure SIP or multi-transaction returns, where CAGR would mislead.
How to Calculate
XIRR finds the rate at which the net present value of all dated cash flows equals zero, solved iteratively (the same method Excel's XIRR uses). Enter each transaction with its date — money invested is negative, money received is positive.
Formula
Solve for r in Σ CFᵢ / (1+r)^(dᵢ/365) = 0
How to Use
- Enter your details in the fields above.
- The result updates instantly as you type.
- Use Copy, Print or Download PDF to save your result.
Frequently Asked Questions
When should I use XIRR instead of CAGR?
Use XIRR whenever there are multiple cash flows at different times (SIPs, SWPs, top-ups). CAGR only works for a single lump-sum with one entry and one exit.
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