Find Your True Annualised Return
XIRR is the annualised return used by mutual fund apps in India for SIPs and irregular investments. Unlike a simple percentage gain, it accounts for exactly when each amount was invested and withdrawn.
Use the free XIRR Calculator above to find your true annualised return in seconds. Paste your dated cash flows, one per line, then press Calculate.
Table of Contents
What is an XIRR Calculator?
An XIRR Calculator finds the annualised rate of return for investments with cash flows on different dates, such as monthly SIP instalments. It is the same calculation used by Excel and Google Sheets as XIRR.
Formula: XIRR is the rate r making NPV of all cash flows zero: SUM[ amount_i / (1+r)^((date_i - first date in days)/365) ] = 0, solved by bisection - the spreadsheet XIRR method.
How to Use the XIRR Calculator (Step by Step)
- List every investment as a negative amount with its date.
- List withdrawals and current value as positive amounts with dates.
- Keep format YYYY-MM-DD,amount - one flow per line.
- Press Calculate.
Example Calculation
-100000 on 2023-01-01 and +120000 on 2024-01-01: XIRR 20.00% per year.
Features of the XIRR Calculator
- Handles irregular dated cash flows like SIPs
- Same method as Excel/Google Sheets XIRR
- Unlimited flows
- Free, no signup
Benefits of Using an XIRR Calculator
- True annualised return for SIPs
- Compare funds fairly
- Works for any investment with dated flows
- Instant result
Final Thoughts
XIRR is the fairest way to compare SIPs and other dated investments, because it accounts for timing as well as amounts. For more free tools, try the TDEE Calculator and the SIP Calculator.
Frequently Asked Questions (FAQs)
XIRR vs CAGR - what is the difference?
CAGR assumes one lump sum. XIRR handles many cash flows on different dates, like monthly SIP instalments, so it is the right measure for SIP returns.
Why do I enter investments as negative?
XIRR needs a sign convention: money you pay in is negative, money you receive (or current value) is positive. Without both signs there is no solution.
Can XIRR be negative?
Yes. If your total returns are below what you invested, XIRR is negative and this calculator will show it.
What does the current portfolio value count as?
Enter it as a positive cash flow on today's date, as if you sold everything today.