XIRR Calculator
Your true annualized return when you invested on different dates — SIPs, lumpsums, top-ups and withdrawals. Add each cash flow below; the current value of your holdings goes in as the final positive row.
Investments are negative (money out), redemptions/current value are positive (money in).
Frequently asked questions
What is XIRR?
XIRR (Extended Internal Rate of Return) is your true annualized return when money goes in and out at different times — SIPs, top-ups, partial redemptions. It weighs every rupee by exactly how long it was invested.
When should I use XIRR instead of CAGR?
Use CAGR for a single lumpsum with no additions. The moment you have multiple cash flows on different dates — a monthly SIP, an extra purchase, a withdrawal — CAGR is misleading and XIRR is the right measure.
How do I enter my cash flows?
Every investment (money leaving your pocket) is negative, and every redemption or the current value of your holdings is positive, dated today. You need at least one negative and one positive flow.
Why is my XIRR different from my fund's advertised return?
Funds advertise point-to-point CAGR. Your XIRR depends on when YOUR money went in — investing before a dip gives you a lower XIRR than the fund's CAGR, and investing before a rally a higher one.
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