XIRR Calculator (2025) – Accurate Return Calculator for Mutual Funds & SIPs

Use our free XIRR calculator to calculate returns on mutual fund investments, SIPs, and irregular cash flows. Enter multiple transactions with dates and get accurate results.

XIRR Calculator

Calculate the Extended Internal Rate of Return for irregular cash flows

How to use:

1. Enter your **investments** (money going out) as **negative** amounts (e.g., -10000).

2. Enter your **withdrawals, redemptions, or dividends received** (money coming in) as **positive** amounts (e.g., 5000).

3. The **current market value** of your portfolio should be entered as the **last (most recent date) positive** cash flow.

4. You need at least one negative (investment) and one positive (withdrawal or current value) entry to calculate XIRR.

Your XIRR is:
0.00%

*Disclaimer: This calculator estimates XIRR based on provided cash flows. Market conditions can significantly impact actual returns.

What is XIRR (Extended Internal Rate of Return) ?

The xirr (extended internal rate of return) is an advanced financial metric that calculates the annualized rate of return on a set of cash flows that occur on different dates. It’s widely used in mutual funds, sip performance analysis, and portfolio tracking.

Tool Features -

Our xirr calculator is designed for investors who deal with mutual fund investments, sip xirr calculation, and irregular cash flows. It supports multiple cash flow entries and instantly computes xirr in mutual funds, sip returns, and more.

  • Flexible Date Entries: Add transactions with exact dates
  •  Multiple Cash Flows: Input unlimited entries for SIPs, lump sums, and withdrawals
  • Instant XIRR Calculation: Get annualized return in percentage
  • Visual Bar Chart: Compare total investment vs. final portfolio value
  • Helpful Instructions: Includes tips on sign convention and date order
  • Free & Online: No Excel needed — just open and calculate

Why Use XIRR?

  • Accurately handles irregular investment and redemption dates
  • Works for SIPs, SWPs, lump sum investments, and dividend reinvestments
  • Provides realistic returns unlike CAGR, which assumes uniform intervals

XIRR Formula Used (Conceptual) :

xirr calculator

Common Scenarios

1. How to calculate mutual fund returns with different dates?
Use the XIRR calculator by entering each investment and redemption date along with the amount.

2. What is the return on my SIP if I invested ₹5,000/month and redeemed ₹1,00,000?
Add each ₹5,000 as a negative amount (investment) and ₹1,00,000 as a positive amount (redemption). The calculator will instantly show annualized XIRR.

3. Can XIRR show actual SIP performance?
Yes, XIRR is the most accurate method to calculate SIP returns with variable dates.

4. How is XIRR different from CAGR?
CAGR works for fixed period investments, but XIRR handles irregular cash flows like SIPs, SWPs, and redemptions.

Frequently Asked Questions

 XIRR handles irregular cash flows with specific dates, while CAGR assumes fixed intervals. For mutual fund investments and SIPs, XIRR gives more accurate results.

Yes, it works perfectly for SIP investments. Just enter each SIP date and amount.

Enter the current portfolio value or redemption value as a final positive amount with today’s date.

Ensure you have at least one negative (investment) and one positive (redemption/current value) entry. Also, dates must be in valid order.

No. XIRR is based on entered cash flows and assumes constant reinvestment. Actual results may vary with market changes.