XIRR Calculator India

Compare extended internal rate of return for the same pattern many investors use with SIPs: equal payments from a start date until maturity, then one redemption amount. Two default scenarios; up to four columns. Frequencies: monthly, quarterly, half-yearly, yearly. See total paid, net surplus, paid vs surplus, XIRR %, and full cash-flow tables. Free; shareable URL and PDF.

When to use XIRR

Use XIRR when timing matters: multiple instalments and a final value. It complements our SIP calculator, which projects future corpus from return assumptions rather than backing out a rate from cash flows.

Mutual funds & SIPs

Statements often show XIRR for your actual buys and sells. This tool lets you test hypothetical schedules and maturity amounts side by side.

Limitations

Equal instalments only; no fees, taxes, or dividends. Solver may not converge for all inputs. Not investment advice.

Frequently Asked Questions

XIRR (extended internal rate of return) is the annualised discount rate that makes the net present value of your dated cash flows zero. It is useful when investments or withdrawals happen on different dates — unlike CAGR on a single lump sum.

The numerical solver needs a mix of positive and negative flows and a bracket where NPV changes sign. Some date or amount combinations may not yield a stable solution — try adjusting dates or amounts.

Excel’s XIRR uses actual calendar days. We approximate time in years from your dates for each flow. For precise portfolio reporting, verify against your statement or Excel with the same cash flows.

This page assumes the same payment every period until maturity. For irregular amounts, use a spreadsheet with full cash-flow rows or a portfolio tool that accepts custom flows.

CAGR is typically used for a single beginning and ending value over a period. XIRR is better when there are multiple contributions or withdrawals at different times.