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XIRR Calculator – Calculate SIP & Mutual Fund Returns Accurately Online
Is investment performance tracking becoming complicated? It doesn’t need to be!
Use our XIRR Calculator and estimate your SIPs, multiple cashflows, lump sum investments, and all in a matter of seconds!
XIRR SIP calculator │ Supports irregular investments │ Handles multiple cash flows │ 100% free & online
What is XIRR
XIRR stands for Extended Internal Rate of Return. It is a method used to calculate annualised returns when:
- Investments are made on different dates
- Amounts are not equal
- There are multiple inflows and outflows
- Returns happen at irregular intervals
How to Use the XIRR Calculator Online
Whether you are a long-term investor or a short-term trader, get a clear picture of your true returns with our XIRR Calculator.
- 1 Select your investment frequency
- 2 Enter the start date and maturity date
- 3 Enter the recurring investment amount
- 4 Enter the total maturity amount
- 5 The calculator instantly shows your XIRR
What Will You See?
- ✔ Total Investment
- ✔ Portfolio Value
- ✔ Estimated Returns
- ✔ Investment Duration
- ✔ Your XIRR (%)
XIRR Formula
Calculating RD maturity manually can be tricky, but understanding the formula helps you see how your recurring deposits grow over time.
XIRR = ∑ Cash Flowt (1 + XIRR)t = 0
Here,
- Cash Flow refers to each amount invested or withdrawn.
- t represents the time gap between each transaction and the final valuation date.
- XIRR is the return rate at which the total present value of all cash flows becomes zero.
No need to navigate through the complex XIRR calculation formula - use our XIRR calculator for easy, quick, and free estimates!
XIRR vs CAGR
| Basis of Comparison | XIRR | CAGR |
|---|---|---|
| Investment Timing | Considers the exact dates of all investments and withdrawals | Doesn’t take timing into account, and only at the start and end value |
| Cash Flow Handling | Works with multiple and irregular cash flows | Works with a single-time investment and final value |
| Calculation Complexity | Slightly complex due to multiple dates and transactions | Simple and easy to calculate |
| Accuracy of Returns | Gives a realistic return for portfolios with regular inflows and outflows | Shows average annual growth for steady investments |
| Suitability | Suitable for investments with frequent cash movement | Suitable for investments with stable, long-term growth |
Benefits of Using the XIRR Calculator Online
Plan your investments and finances with more ease and confidence using the best XIRR calculator online.
True Return Visibility
The XIRR calculator estimates your actual annual return by considering every investment and withdrawal date, giving you a clear picture of real performance.
Works for Irregular Investments
Ideal for SIPs, lump-sum investments, or uneven cash flows — XIRR accurately measures real returns in all scenarios.
Better Portfolio Tracking
Track mutual funds, stocks, real estate, or mixed portfolios together using a single, easy-to-understand return figure.
Smarter Financial Planning
Knowing your true return helps you decide whether to reinvest, switch funds, or stay invested based on real performance.
Saves Time and Effort
Manual return calculations are complex. The XIRR calculator delivers instant and accurate results within seconds.
Beginner-Friendly
Even without financial expertise, this SIP XIRR calculator makes return analysis simple, clear, and easy to understand.
FAQs for XIRR Calculator
What is the XIRR calculator used for?
The XIRR calculator is used for tracking SIP, irregular investments, multiple cash flows, and lump-sum investments, and to estimate returns.
How do I use the XIRR calculator?
Enter the investment amount, investment date, redemption amount, and redemption date. The calculator will instantly show your XIRR.
Is the XIRR Calculator accurate?
The XIRR Calculator provides a close estimate. Actual returns may vary depending on market conditions.