XIRR calculator
Your mutual fund app says you've gained 20% — but over how long, with money added every month? The XIRR calculator answers the real question: what yearly return did your money earn, given exactly when each rupee went in and came out? It's the same method fund houses use in your statement, and it works for SIPs, lump-sum top-ups, partial redemptions, stocks, chit funds or any investment with irregular cash flows.
How to use it
- For a regular SIP, fill in the amount, first date, number of instalments and today's value, then tap Fill monthly SIP.
- Or add each cash flow yourself: investments as negative amounts, withdrawals and the current value as positive.
- The XIRR updates instantly.
What XIRR solves
Find r such that Σ amount ÷ (1 + r)days ÷ 365 = 0
Example
A ₹5,000 monthly SIP started on 5 January 2023 with 36 instalments has ₹1.8 lakh invested. If it's worth ₹2.15 lakh on 5 January 2026, a month after the last instalment, the XIRR is about 11.9% a year — even though the absolute gain is only about 19%, because most of the money was invested for less than three years. For a single lump sum, the CAGR calculator gives the same answer more simply.
Disclaimer: Results are estimates for educational purposes only and are not financial, investment or tax advice. Please verify with your bank, broker or a SEBI-registered adviser before acting. Read the full disclaimer.