XIRR Calculator forIndian Investors
Calculate your portfolio's true annualized returns (XIRR) accounting for the timing of investments. Same formula as Excel's XIRR function.
Enter Your Cash Flows
What is XIRR?
XIRR (Extended Internal Rate of Return) is the most accurate way to calculate investment returns when you have irregular cash flows (investments and withdrawals at different times).
Accounts for timing: Unlike simple returns, XIRR considers when you invested
Annualized return: Shows your average yearly return percentage
Industry standard: Same as Excel's XIRR function
How to Use
- 1.Enter the date and amount for each investment (use negative numbers)
- 2.Add the current value of your investment as the last cash flow (positive number)
- 3.Click "Calculate XIRR" to get your annualized return
Master XIRR for Investment Tracking
Calculate your true investment returns accounting for timing and irregular cash flows
Accounts for Timing
Unlike simple returns, XIRR considers when you invested, giving accurate annualized returns
Industry Standard
Same as Excel's XIRR function, used by professional fund managers worldwide
Annualized Return
Shows your average yearly return percentage for easy comparison
Why XIRR Beats Simple Returns
Example Scenario:
Simple Return
5%
Ignores timing ❌
XIRR
~8%
Accounts timing ✓
When to Use XIRR
SIP Returns
Monthly systematic investment plans
Mutual Funds
Irregular investments & withdrawals
Stock Portfolio
Multiple buy/sell transactions
Real Estate
Property + renovation costs
XIRR vs CAGR: Key Difference
CAGR
Single lump-sum investment
No intermediate cash flows
Fixed time period
Best for: One-time investments
XIRR
Multiple investments/withdrawals
Irregular intervals
Accounts for timing
Best for: SIPs & regular investing ⭐