Free XIRR calculator for mutual funds, SIPs, and investments with irregular cash flows. Calculate accurate returns considering all transactions and dates.
Pro Tip: Enter investments as negative (-) and redemptions as positive (+)
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XIRR (Extended Internal Rate of Return) calculator helps you calculate the actual annualized rate of return on investments with irregular cash flows and transactions at different dates. Unlike CAGR which works only for lumpsum investments, XIRR is the most accurate method for calculating returns on SIPs, mutual funds, and any investments with multiple deposits, withdrawals, or transactions over time. It accounts for the exact timing and amount of each cash flow, giving you true performance metrics.
CAGR works only for lumpsum investments (single investment, single redemption). XIRR works for multiple cash flows at different dates - perfect for SIPs. For a lumpsum investment, XIRR and CAGR will be identical. For SIPs or multiple transactions, only XIRR gives accurate returns. Always use XIRR for mutual fund SIPs.
This follows standard cash flow convention: Money leaving your pocket (investments) is negative, money coming to you (redemptions/current value) is positive. This is how IRR/XIRR calculations work in finance. Think of it from your perspective - when you invest, you're giving away money (-), when you redeem, you're receiving money (+).
Yes, if your current value is less than total investments, XIRR will be negative, indicating your investment is making a loss at that annualized rate. For example, if you invested ₹1,00,000 through SIP and current value is ₹90,000, XIRR will be negative, showing the annual rate at which your investment declined.
For equity mutual funds, XIRR of 12-15% is good, 15-18% is excellent, and 18%+ is outstanding over 5+ years. Debt funds typically give 6-8% XIRR. Compare your XIRR with the fund's benchmark index. Remember, longer time periods generally give more reliable XIRR values.
Minimum two transactions: at least one investment (negative) and one redemption/current value (positive). For SIPs, include all monthly investments individually with their dates, and current value as the final positive entry. More data points give more accurate XIRR.
Absolutely yes! XIRR is the ONLY accurate method for SIP returns. Using simple percentage or CAGR for SIPs gives misleading results because they don't account for timing of cash flows. All mutual fund houses report SIP returns using XIRR. It's the industry standard for multiple cash flow investments.
Enter partial withdrawals as positive cash flows on their withdrawal dates. XIRR automatically adjusts for these outflows. For example: -₹10,000 monthly SIP for 24 months, +₹50,000 withdrawal at month 12, +₹2,00,000 current value at month 24. XIRR calculates correct returns considering all cash flows.
Very high XIRR (>50%) usually means: short time period with good gains, or data entry error. Very low/negative XIRR means: poor fund performance, or recent investments haven't had time to grow. For reliable XIRR, have investment period of at least 1-2 years. Short periods can show exaggerated returns.
Yes! XIRR is perfect for comparing funds with different investment patterns. If Fund A shows 14% XIRR and Fund B shows 16% XIRR over same period, Fund B performed better regardless of investment amounts or frequency. This makes XIRR the best tool for portfolio comparison and fund selection.