XIRR Calculator
Calculate the annualised return (XIRR) on investments with irregular cash flows.
| # | Date | Amount (₹) | Type | |
|---|---|---|---|---|
| 1 | Invest | |||
| 2 | Invest | |||
| 3 | Invest | |||
| 4 | Redeem |
XIRR (Annualised Return)11.62%
Total Invested₹3,00,000
Total Redeemed₹4,00,000
Net Profit₹1,00,000
▶How is this calculated?
XIRR finds the discount rate that makes the Net Present Value (NPV) of all cash flows equal to zero. It uses the Newton-Raphson iterative method.
NPV = Σ [CFᵢ / (1 + rate) ^ ((dateᵢ - date₀) / 365)] = 0
The rate that satisfies this equation is the XIRR — your true annualised return.
Frequently Asked Questions
What is XIRR?▼
XIRR (Extended Internal Rate of Return) calculates the annualised return for a series of cash flows that occur at irregular intervals. Unlike CAGR, it accounts for the timing and size of each investment and redemption.
When should I use XIRR instead of CAGR?▼
Use XIRR when you have multiple investments or redemptions at different dates — for example, SIP investments, partial withdrawals, or dividend reinvestments. CAGR is only accurate for a single lump-sum investment.
How do I enter cash flows?▼
Enter investments as negative amounts (money going out) and redemptions/current value as positive amounts (money coming back). The calculator needs at least one negative and one positive entry.
What if XIRR shows 'Could not converge'?▼
This can happen with unusual cash flow patterns. Try adjusting dates or amounts, or ensure you have both investments (negative) and redemptions (positive).
This calculator provides estimates for informational purposes only. Actual outcomes may vary based on applicable laws, financial institutions, products and individual circumstances.