XIRR Calculator
Calculate the Extended Internal Rate of Return for irregular cash flows
What is XIRR?
XIRR (Extended Internal Rate of Return) measures annualized returns for investments with irregular cash flows—like SIPs, venture capital, or dividend reinvestment. Think of it as CAGR’s smarter cousin that adapts to real-world timing (e.g., monthly SIPs or sporadic top-ups).
✅ Best for:
- Mutual fund SIPs
- Angel/startup investments
- Loans with flexible repayments
🚫 CAGR vs. XIRR:
- Use CAGR for lump-sum investments.
- Use XIRR for transactions with multiple dates.
Pro Tip: Calculate CAGR in seconds!
How to Use This XIRR Calculator *(3-Step Guide)*
- Enter Transactions:
- Add dates (YYYY-MM-DD) and amounts.
- Use negative values for deposits (e.g.,
-5000) and positive for withdrawals.
Example:
| Date | Amount (₹) |
|————|————|
| 2023-01-10 | -10,000 |
| 2023-06-15 | +12,500 |
- Click “Calculate XIRR”: See your annualized return % instantly.
- Interpret Results:
- XIRR > 12%? Your investments outperform FDs.
- Negative XIRR? Check for data entry errors.
XIRR Formula & Manual Calculation
The mathematical formula for XIRR is:∑t=0nPt(1+r)(dt−d0)/365=0t=0∑n(1+r)(dt−d0)/365Pt=0
Where:
- PtPt = Cash flow at time tt
- dtdt = Transaction date
- rr = XIRR (solved iteratively)
Excel Alternative: Use =XIRR(values, dates, [guess]).
XIRR Calculation Example
Scenario: You invested ₹10,000 on Jan 1, 2023, and withdrew ₹12,500 on Jan 1, 2024.
| Date | Amount (₹) | Type |
|---|---|---|
| 2023-01-01 | -10,000 | Deposit |
| 2024-01-01 | +12,500 | Withdrawal |
XIRR = 25% (Your money grew 25% annually!)
XIRR vs. CAGR vs. IRR: Key Differences
| Metric | Best For | Formula Complexity | Example Use Case |
|---|---|---|---|
| XIRR | Irregular cash flows | Moderate | SIPs, VC investments |
| CAGR | Lump-sum investments | Simple | Stock market returns |
| IRR | Fixed intervals | Moderate | Real estate projects |
Note: XIRR is SEBI-recommended for mutual fund performance reports.
FAQs About XIRR Calculator
1. Is XIRR accurate for mutual fund SIPs?
Yes! XIRR is the gold standard for SIP returns because it accounts for varying investment dates.
2. Why does my XIRR differ from fund returns?
Fund returns are point-to-point (NAV-based), while XIRR reflects your personal cash flow timing.
3. Can I calculate XIRR without this tool?
Yes—use Excel’s XIRR function or the formula above, but our calculator saves time.
4. What’s a “good” XIRR?
- >12%: Beats inflation.
- >15%: Outperforms most FDs.
- >20%: Exceptional (typical for equity SIPs).
Why Trust Our XIRR Calculator?
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