Investments
XIRR Calculator
Annualised return for a monthly investment ending in a current value. Move the sliders or type exact numbers — results update instantly.
Formula checked by Naman, Fistotex founderLast updated Free · No sign-up · Runs in your browser
Your inputs
XIRR
9.85%
- Total invested
- ₹12,00,000
- Current value
- ₹20,00,000
- Absolute return
- 66.67%
Figures are estimates based on the inputs and assumptions shown. Actual outcomes will differ. This is not financial advice.
Guide
XIRR Calculator: what it does and when to use it
XIRR (extended internal rate of return) is the annualised return on investments made at different times. Mutual fund statements report SIP performance as XIRR because each instalment is invested for a different length of time.
Enter your monthly SIP, how long you have been investing and the portfolio's current value to see the return you have actually earned.
How to use it: set each input with the slider or type an exact figure. Results, the chart and the shareable link update instantly.
- Monthly investment
- ₹10,000
- Current value
- ₹20,00,000
- Duration
- 10 years
- Total invested
- ₹12,00,000
- Current value
- ₹20,00,000
- Absolute return
- 66.67%
- XIRR
- 9.85%
Method
How this calculation works
The exact formula and assumptions behind the numbers above.
Formula
Σ [ Ci ÷ (1 + XIRR)^((di − d0) ÷ 365) ] = 0
Solved numerically with the Newton–Raphson method. Ci are the cash flows and di their dates.
Assumptions
- Each monthly instalment is treated as a dated outflow.
- The final value is a single dated inflow.
- XIRR is the annual rate that makes the net present value zero.
Questions
Frequently asked questions
Why is XIRR different from CAGR?
CAGR assumes one lump sum held for the whole period. XIRR accounts for money entering at different times, so it better reflects a SIP's true annualised return.
Why might it fail to solve?
If the current value is far too small or large relative to the contributions, no sensible rate exists and the solver reports it rather than inventing a number.
Is XIRR the same as absolute return?
No. Absolute return is total gain divided by total invested and ignores time. XIRR converts it into a yearly rate that accounts for when each rupee went in.
What is a good SIP XIRR?
Compare it with the XIRR of a benchmark index fund over the same dates. A fund that consistently trails its benchmark may not justify its costs.
Disclaimer
This calculator is an educational tool. It provides estimates based on the inputs and assumptions shown, and does not constitute personalised financial, investment or tax advice. Actual returns, interest, taxes and fees will vary. Please consult a qualified professional before making financial decisions.