XIRR Calculator

Calculate returns on multiple investments made at different dates. Perfect for SIP tracking and mutual fund portfolio analysis.

Transaction Details
DateAmount (₹)Action
Investment
Investment
Investment
Withdrawal
Note: Enter positive amounts for investments and negative amounts for withdrawals/maturity.
XIRR Results

Ready to Calculate

Add your transactions and click "Calculate XIRR" to see your investment returns.

What is XIRR?

Irregular Timing

XIRR calculates returns for investments made at different dates and amounts, unlike regular IRR which assumes equal intervals.

Annualized Returns

It provides an annualized rate of return, making it easy to compare with other investment options and benchmarks.

Real Performance

XIRR considers the actual timing of cash flows, giving you the true performance of your investment strategy.

Perfect for:

SIP (Systematic Investment Plan) tracking
Mutual fund portfolio analysis
Stock investment tracking
Real estate investment analysis
Business cash flow evaluation
Any irregular investment pattern

💡 Example Scenario:

You invest ₹10,000 monthly in a mutual fund for 12 months, then withdraw ₹1,50,000 at the end. XIRR will calculate your exact annualized return considering the timing of each investment and the final withdrawal.

How XIRR is Calculated

XIRR Formula

Σ [CFi / (1 + r)ti] = 0
Where:
  • • CFi = Cash flow at time i
  • • r = XIRR (rate we're solving for)
  • • ti = Time period (in years)
  • • Σ = Sum of all cash flows

Calculation Method

1

Newton-Raphson Iteration

Uses iterative method to solve for the rate 'r' that makes NPV = 0

2

Time Calculation

Converts dates to time periods in years from the first transaction date

3

Convergence

Continues iteration until the result converges to a stable value

Step-by-Step Example

Transactions:
• Jan 1, 2023: +₹10,000 (Investment)
• Feb 1, 2023: +₹10,000 (Investment)
• Mar 1, 2023: +₹10,000 (Investment)
• Jan 1, 2024: -₹35,000 (Withdrawal)
Calculation:
The algorithm finds r such that:
10,000/(1+r)^0 + 10,000/(1+r)^0.084 + 10,000/(1+r)^0.167 - 35,000/(1+r)^1 = 0
Result:
XIRR ≈ 20.13% (annualized return)
Frequently Asked Questions

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