Investing
XIRR Calculator
Annualised return across dated cash flows.
Last updated 14 August 2026 · Free · No sign-up · Nothing you type leaves your browser
Cash flows
Add every date money moved — investments (out of your pocket) and returns (back into it), including the current value if you haven't sold yet.
Annualised return (XIRR)
7.29%
Across 4 cash flows, this is the single steady annual rate that reconciles what went in against what came out (or what it's worth today).
Total invested
₹3 L
Total returned / current value
₹3.8 L
Why XIRR and not a simple average
A simple return ignores when money moved. ₹1 lakh invested three years ago and ₹1 lakh invested last month have both contributed to your current value, but the first has had far longer to compound. XIRR accounts for the exact date of every cash flow, which is why it is the right measure for SIPs, staggered lump sums, or any investment with irregular contributions — a plain CAGR can only compare two single points in time.
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Why dates matter as much as amounts
Two investments of ₹1 lakh each do not contribute equally to your return if one went in three years ago and the other went in last month — the first has had far longer to compound. XIRR is built specifically to handle this: it finds the one annual rate that, applied to every cash flow on its actual date, reconciles what you put in against what you got out (or what it is worth today).
Where XIRR is the right tool
Any time money moved on more than one date — a SIP, a lumpsum topped up later, a partial withdrawal — a simple average or a CAGR calculation will give you a misleading answer. XIRR is what mutual fund platforms actually use to report your personal return, precisely because real investing rarely happens as a single lump sum in and a single lump sum out.
A rate, not a rupee figure
XIRR tells you the annualised rate your money effectively earned — it does not tell you whether that was a good outcome for the risk taken, or compare cleanly against a fixed deposit's stated rate without adjusting for compounding basis. Use it to compare your actual realised return across different investments, on a like-for-like basis.
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Frequently asked questions
What is XIRR?
Extended Internal Rate of Return is the single annualised rate that reconciles a series of dated cash flows — money going out (investments) and coming in (returns or current value) — into one figure. It is the standard way mutual fund platforms report SIP returns.
Why not just use CAGR for a SIP?
CAGR needs one starting value and one ending value. A SIP has many starting values, each invested on a different date, so CAGR cannot be applied correctly to it. XIRR accounts for exactly when each instalment went in, which matters because money invested earlier has had longer to compound.
What should I enter as the last cash flow if I haven't sold yet?
Enter today's date with the current value of your holding, marked as a "return." XIRR treats an unrealised holding exactly like a sale on that date for calculation purposes.
Why did I get no result?
XIRR needs at least one outflow (investment) and one inflow (return) with valid dates — if every cash flow is the same sign, or dates are missing, there is no rate that can reconcile them.