XIRR Calculator
Find the true annualized return on your SIPs, mutual funds, and any investments made on different dates. Enter your cash flows and get your XIRR instantly.
Invested
₹1,80,000
Current value
₹2,20,000
Gain
₹40,000
Absolute return
22.2%
XIRR annualizes returns across investments made on different dates. It is the money-weighted rate that makes your cash flows balance. Calculated in your browser. Nothing is stored.
Why XIRR is the number that matters
Most people judge an investment by how much it grew: put in 1 lakh, now it is worth 1.35 lakh, so a 35% gain. That absolute return hides the one thing that lets you compare investments fairly, time. A 35% gain over six years and a 35% gain over eighteen months are worlds apart. XIRR folds the dates back in and gives you a single annualized rate, so a SIP, a lump sum, and a fixed deposit can all be compared on the same scale.
For a SIP it is the only honest measure. Each instalment has been invested for a different length of time, so there is no single holding period to plug into a simple formula. XIRR treats every instalment as its own dated cash flow and solves for the rate that ties them all together.
Frequently asked questions
What is XIRR?
XIRR (Extended Internal Rate of Return) is the annualized return on investments made at irregular intervals. When you invest different amounts on different dates, a simple percentage cannot tell you your real rate of return. XIRR does, by finding the single annual rate that makes all your cash flows balance.
How is XIRR different from CAGR?
CAGR assumes a single lump sum invested once and held. XIRR handles many investments and withdrawals on different dates, which is exactly how SIPs and real portfolios work. For a one-time investment the two are the same. For a SIP, XIRR is the correct measure.
How do I calculate XIRR for my SIP?
Use the SIP tab: enter your monthly amount, how long you have been investing, and the current value of your holding. The calculator builds one cash flow per instalment and computes the annualized return. For lump sums or irregular investments, switch to the Custom cash flows tab.
Why does XIRR look huge for a short period?
XIRR annualizes, so a gain over a few weeks or months gets extrapolated to a full year and can look extreme. For periods under a year, absolute (point-to-point) return is the fairer measure. The calculator flags this automatically.
Is my data saved?
No. Every calculation runs entirely in your browser. Nothing you type is sent to a server or stored anywhere.
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This tool is for informational purposes only and is not investment advice. Results are calculated from the figures you enter.