Calculate the Extended Internal Rate of Return (XIRR) for investments with irregular cash flows. Perfect for SIPs, mutual funds, stocks, real estate and other investments where deposits and withdrawals occur on different dates.
Enter each investment (negative cash flow) and the final redemption amount (positive cash flow). You can add or remove rows as needed.
| Amount | Date | Action |
|---|---|---|
Enter every investment or withdrawal along with its actual transaction date. XIRR uses the exact timing of each cash flow.
Enter your final redemption amount and redemption date to complete the investment timeline.
The calculator applies the Newton-Raphson iterative method to estimate the annualized return for irregular cash flows.
Σ [ Cash Flow ÷ (1 + XIRR)Days ÷ 365 ] = 0
Unlike CAGR or ROI, XIRR considers the exact date of every cash flow, making it the preferred metric for SIPs, mutual funds and investments with irregular transactions.
XIRR (Extended Internal Rate of Return) is the annualized rate of return for investments that have irregular cash flows occurring on different dates. Unlike CAGR or ROI, XIRR considers both the amount and the exact timing of every investment and redemption, making it one of the most accurate methods for measuring investment performance.
XIRR measures the true annual return by accounting for every investment, withdrawal and redemption date.
Since SIPs involve monthly investments, XIRR provides a much more realistic return than CAGR or simple ROI.
Σ [ Cash Flow ÷ (1 + XIRR)Days ÷ 365 ] = 0
Unlike CAGR, there is no direct mathematical formula for XIRR. It is calculated using an iterative numerical method such as the Newton-Raphson algorithm.
Calculation Method
The calculator repeatedly adjusts the estimated return until the Net Present Value (NPV) of all cash flows becomes approximately zero.
| Feature | XIRR | CAGR |
|---|---|---|
| Cash Flows | Irregular | Single Investment |
| Dates | Exact Dates | Start & End Only |
| Accuracy | Very High | Moderate |
| Best For | SIP & Mutual Funds | Lumpsum Investments |
| Feature | XIRR | IRR |
|---|---|---|
| Cash Flow Dates | Actual Dates | Equal Periods |
| Investment Frequency | Flexible | Fixed |
| Accuracy | Higher | Lower for irregular cash flows |
| Common Use | Mutual Funds, SIPs | Corporate Projects |
Every SIP installment is invested on a different date. XIRR considers the exact investment date of every contribution, making it significantly more accurate than CAGR for systematic investment plans.
Suppose you invest ₹10,000 every month through a SIP for 3 years and redeem your investment for ₹4,80,000.
The XIRR Calculator helps you calculate the Extended Internal Rate of Return (XIRR) for investments with irregular cash flows. Unlike CAGR or ROI, XIRR considers the exact date and amount of every investment and withdrawal, making it one of the most accurate methods for evaluating real investment performance.
This calculator is useful for SIPs, mutual funds, stocks, real estate investments, private equity, business investments and any portfolio where transactions occur on different dates.
This XIRR Calculator provides estimated annualized returns based on the cash flows and dates you enter. Actual investment performance may differ because of taxes, transaction costs, fees, market conditions and other factors. This calculator is intended for educational and financial planning purposes only and should not be considered investment advice.
XIRR (Extended Internal Rate of Return) calculates the annualized return for investments that have cash flows on irregular dates.
CAGR assumes a single investment made at the beginning and redeemed at the end, while XIRR considers every cash flow with its exact date.
Yes. XIRR is widely regarded as one of the best methods for calculating SIP returns because each installment is invested on a different date.
IRR assumes equal time intervals between cash flows, whereas XIRR works with actual calendar dates and irregular cash flow schedules.
Yes. Businesses often use XIRR to evaluate projects, investments and cash flow performance when transactions occur on different dates.
The timing of each cash flow affects investment performance. XIRR uses the exact dates to produce a more accurate annualized return.
Yes. You can add or remove cash flow rows as required before calculating XIRR.
Yes. This XIRR Calculator is completely free and works on desktop, tablet and mobile devices.
Use our free finance calculators to calculate XIRR, compare investment returns, analyze SIP performance and make informed long-term financial decisions.
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