XIRR Calculator
The real yearly return on investments made at different dates
Your Return
- 1List your transactionsEach investment and withdrawal with its date
- 2Add the value nowAs the last row, dated today
- 3See your XIRRYour true yearly return
What is XIRR?
XIRR is the single yearly rate that makes all your cash flows balance out, taking into account exactly when each one happened. It's the same calculation as Excel's XIRR function.
Σ amountₖ ÷ (1 + XIRR)^(daysₖ ÷ 365) = 0
Money invested counts as negative, withdrawals and current value as positive
Why not just absolute return?
Absolute return ignores time: a 50% gain over 2 years and over 10 years look the same. XIRR turns it into a yearly rate, and it accounts for money added or taken out at different times, which makes it the right measure for SIPs.
Where to find your numbers
Your mutual fund's consolidated account statement (CAS) from CAMS or KFintech lists every purchase and redemption with dates, and your fund app shows the current value.
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Frequently asked questions
What's the difference between XIRR and CAGR?
CAGR works for a single investment held for a period. XIRR handles many investments and withdrawals on different dates, so it's the one to use for SIPs.
Why is my XIRR very high for a short period?
XIRR annualises the return. A 5% gain in two months works out to over 30% a year, so it can look extreme for periods under a year.
Can I use this for stocks or a business?
Yes. Any series of dated payments and receipts works: shares, real estate, chit funds or a loan.
These results are estimates for planning only, not financial, investment or tax advice. Rates and rules change, and your bank, fund house or employer may calculate slightly differently. Check with them or a qualified adviser before you decide.
Sources
Last reviewed: October 2026