XIRR Calculator

What is XIRR?

XIRR (Extended Internal Rate of Return) is the annualised rate of return for investments that have multiple cash flows occurring at irregular intervals, like monthly SIPs, lump-sum top-ups, and partial withdrawals. It is the standard measure used by mutual funds, financial advisors, and platforms like Zerodha, Groww, and CAMS to report your true investment returns.

XIRR vs CAGR, What's the Difference?

How Does Excel Calculate XIRR?

Excel's XIRR(values, dates) function finds the rate r such that the Net Present Value (NPV) of all cash flows equals zero:

where t_i is the year-fraction between the first date and date i. This calculator uses the same Newton-Raphson algorithm with bisection fallback, results match Excel within ±0.0001%.

When Should I Use XIRR?

• ✓ Calculating returns on SIP investments in mutual funds
• ✓ Evaluating real estate investments with multiple cost tranches
• ✓ Comparing different investment options with irregular cash flows
• ✓ Computing returns on stock portfolios with multiple buy/sell dates
• ✓ Analysing FD laddering or RD returns

Can XIRR Be Negative?

Yes. A negative XIRR means your investments have lost value, the current portfolio value is less than total amount invested. This is common in the short term (1-3 years) during market downturns. A negative XIRR of −5% means you are losing 5% per year on an annualised basis. Over longer periods (10+ years), well-diversified equity mutual funds in India have historically delivered positive XIRR of 10-15%.

How to Get Your XIRR from a Mutual Fund Statement

1. Download your consolidated statement from CAMS or KFintech
2. List each SIP date and amount as a negative cash flow
3. Add today's current portfolio value as a positive cash flow with today's date
4. Enter all rows in this calculator and click Calculate XIRR
5. Or import directly from a CSV, our calculator supports CSV upload