XIRR Calculator - Calculate Annualised Returns on SIP & Mutual Fund Investments
Free XIRR Calculator to calculate annualised returns on SIP, mutual funds, and investments with irregular cash flows. Get accurate XIRR instantly — just enter your investment dates and amounts.
Calculate XIRR
Cash Flows
Enter each investment as a negative amount and each redemption or current portfolio value as a positive amount. Always include at least one positive (redemption/current value) entry.
| Date | Amount (₹) | Action |
|---|---|---|
XIRR (Annualised Return)
17.50%
Total Invested
₹3,00,000
Total Returns
₹1,50,000
Absolute Return
50.00%
Breakdown
How to Use This XIRR Calculator
Using our XIRR Calculator is simple and takes just a few seconds. Enter your values using the sliders or input fields above, and the results will update instantly — no need to click a calculate button.
All calculations are performed in your browser using standard financial formulas. Your data is never stored or transmitted to any server, ensuring complete privacy.
The results shown are estimates based on the inputs you provide. For precise figures, consult with your bank or financial advisor. Use this tool for quick comparisons, planning, and understanding how different variables affect your financial outcomes.
Formula & Explanation
NPV = Σ [Ci / (1 + XIRR)^((di - d0) / 365)] = 0Where Ci = cash flow at time i (negative for investments/purchases, positive for redemptions/withdrawals), di = date of that cash flow, d0 = date of the first cash flow. XIRR solves iteratively (Newton-Raphson method) for the rate that makes the Net Present Value of all cash flows equal to zero — the same algorithm used by Excel, Google Sheets, Zerodha, and Groww.
Calculation Examples
3 Investments + Redemption
₹1 lakh invested on 3 dates over 3 years, redeemed at ₹4.5 lakhs
XIRR: ~18.5% | Total Invested: ₹3,00,000 | Profit: ₹1,50,000
Monthly SIP for 2 Years
₹5,000/month for 24 months, current portfolio value ₹1.5 lakhs
XIRR: ~22% | Total Invested: ₹1,20,000 | Returns: ₹30,000
Lump Sum + Top-up
₹5 lakh lump sum + ₹1 lakh top-up after 1 year, current value ₹9 lakhs after 4 years
XIRR: ~13.8% | Total Invested: ₹6,00,000 | Profit: ₹3,00,000
Benefits
- Accurate annualised returns for SIPs and irregular investments
- Accounts for the exact date of every transaction
- Same calculation method as Excel, Zerodha, Groww, and ET Money
- Works for partial redemptions, top-ups, and SWP withdrawals
- More reliable than CAGR for multi-transaction portfolios
Use Cases
- Mutual fund SIP return calculation
- Portfolio performance review
- Comparing two mutual funds by actual returns
- Lump sum + SIP combination return
- Partial withdrawal impact analysis
- Verifying returns shown in your mutual fund statement
About XIRR Calculator
XIRR (Extended Internal Rate of Return) is the most accurate way to measure returns on SIP investments, mutual funds, and any portfolio where money goes in or comes out at different times. Unlike CAGR, which assumes a single lump sum, XIRR accounts for the exact date and amount of every transaction — giving you the true annualised return. Use this free XIRR calculator online to evaluate your mutual fund SIP returns, compare fund performance, or check XIRR the same way platforms like Zerodha Console, Groww, and ET Money calculate it.
Frequently Asked Questions
XIRR in mutual funds is the annualised rate of return on your investment when cash flows — SIP instalments, lump sum purchases, or partial redemptions — occur at different dates. Your mutual fund account statement and platforms like Zerodha Console, Groww, and ET Money all report XIRR as the standard measure of your SIP returns.
CAGR (Compound Annual Growth Rate) measures the return on a single lump sum invested at one point in time. XIRR handles multiple cash flows at different dates — making it the right metric for SIPs, top-ups, or partial withdrawals. For a single lump sum with no intermediate transactions, XIRR and CAGR give the same result.
In Excel, list all your investment amounts in one column (negative for outflows, positive for inflows) and the corresponding dates in another column. In a third cell, use the formula =XIRR(values, dates) — for example, =XIRR(B2:B10, A2:A10). Make sure the last row has your current portfolio value or redemption amount as a positive number with today's date.
In Zerodha, you can view your XIRR on the Console platform under Portfolio > Holdings. Zerodha Console calculates XIRR for equity holdings considering all trades from FY2017 onwards, adjusting for corporate actions like bonuses, splits, and demergers. For mutual funds, check it under Coin > Portfolio.
A XIRR of 12–15% is considered good for equity mutual fund SIPs in India over a long horizon (5+ years). Large-cap and index funds typically deliver 10–13% XIRR, while mid-cap and small-cap funds can deliver 14–18% over long periods. Debt funds generally return 6–8% XIRR. Anything above 15% over 10+ years is excellent.
Yes, XIRR can be negative if your portfolio has lost value compared to what you invested. This can happen if markets fell significantly during your investment period or if you redeemed at a loss. A negative XIRR means your annualised return is negative — you got back less than you put in, on a time-adjusted basis.
XIRR can show unusual values if: (1) your investment period is very short (under 1 year), as it annualises short-term gains or losses dramatically; (2) the cash flows are entered with wrong signs — investments must be negative and redemptions positive; or (3) the final positive cash flow (current value) is missing. Double-check your entries if the result looks off.
No. IRR (Internal Rate of Return) assumes cash flows occur at regular, equal intervals. XIRR is the extended version that handles cash flows at any irregular dates — making it far more practical for real-world SIP and mutual fund investments where instalments happen monthly, quarterly, or at random intervals.