XIRR Calculator
Extended Internal Rate of Return Calculator. Find returns for irregular cash flows.
Enter negative values for investments (outflow) and positive values for withdrawals/current value (inflow).
| Date | Amount | |
|---|---|---|
Annualized Return (XIRR)
20.00%
How the XIRR Calculator works
XIRR (Extended Internal Rate of Return) calculates the annualised return of investments with multiple cash flows on irregular dates — like SIPs, top-ups and partial withdrawals. This calculator takes your dated cash flows and returns a single annual rate.
Unlike CAGR, XIRR accounts for exactly when each rupee went in or came out, making it the correct measure for real-world investing.
Frequently asked questions
What is XIRR?+
The annualised rate of return that makes the present value of all your dated cash flows equal to zero — the right metric when investments happen on different dates.
When should I use XIRR instead of CAGR?+
Use XIRR whenever there are multiple investments/withdrawals on different dates (e.g. SIPs). Use CAGR only for a single lump-sum investment.
What is a good XIRR?+
As with CAGR, it depends on the asset class and benchmark; compare your XIRR to a relevant index over the same period.