XIRR Calculator

Calculate extended internal rate of return for SIP, mutual funds, irregular cash flows with date-wise investment analysis

Cash Flows

Note: Use negative amounts for investments (outflows) and positive amounts for returns/withdrawals (inflows). At least one positive and one negative cash flow required.

XIRR Analysis

0.00% Annualized Return (XIRR)
₹0.00 Total Invested
₹0.00 Total Received
Investment Period: 0 days
Absolute Return: 0.00%
Net Cash Flow: ₹0.00

SIP XIRR Analysis

0.00% SIP XIRR Return
₹0.00 Total SIP Invested
₹0.00 Wealth Gained
SIP Installments: 0
Investment Duration: 0 years
Monthly Return: 0.00%
Per frequency selected above

XIRR vs CAGR Comparison

0.00% XIRR Return
0.00% CAGR Return
0.00% Difference
Better Metric: --
Investment Pattern: --
Total Invested: ₹0.00

How to Use the XIRR Calculator

Our comprehensive XIRR calculator provides essential tools for calculating extended internal rate of return for irregular cash flows:

📊 Irregular Cash Flows Calculator

Calculate XIRR for investments with irregular timing. XIRR (Extended Internal Rate of Return) finds discount rate that makes Net Present Value zero. Formula: NPV = Σ [CFₙ ÷ (1 + XIRR)^(dateₙ - date₀)/365] = 0. Use negative values for investments (outflows) and positive values for returns (inflows). XIRR considers exact dates unlike IRR which assumes equal periods. Ideal for SIPs, lumpsum + SIP combinations, partial withdrawals, dividend reinvestments.

💰 SIP XIRR Calculator

Calculate annualized returns for Systematic Investment Plans. SIP XIRR accounts for different investment dates and amounts. Example: ₹5,000 monthly SIP for 3 years with final value ₹2 lakh typically gives 8-15% XIRR depending on market performance. XIRR more accurate than simple percentage calculation as it considers time value of money. Monthly SIP on 1st vs 15th can show different XIRR due to NAV variations and compounding effects.

⚖️ XIRR vs CAGR Comparison

Compare XIRR with CAGR (Compound Annual Growth Rate) for different investment patterns. CAGR: (Final Value ÷ Initial Value)^(1/years) - 1. CAGR suitable for lumpsum investments, XIRR for multiple cash flows. For ₹1 lakh lumpsum growing to ₹2 lakh in 5 years: CAGR = 14.87%. Same amount via monthly SIP may show different XIRR. XIRR typically lower than CAGR for SIPs as early investments get more time to compound.

XIRR Best Practices: Use XIRR for mutual fund SIPs, irregular investments, partial withdrawals. CAGR for lumpsum investments, simple buy-hold strategies. XIRR gives true annualized return considering investment timing. Excel formula: =XIRR(values, dates). Include all cash flows: investments as negative, returns as positive. XIRR above 12% considered good for equity funds, above 8% for debt funds. Monitor XIRR regularly to assess investment performance.

Frequently Asked Questions

What is XIRR and how is it different from CAGR?
XIRR (Extended Internal Rate of Return) calculates annualized returns for irregular cash flows with specific dates. CAGR (Compound Annual Growth Rate) is for lumpsum investments over fixed periods. XIRR formula: NPV = 0 using trial-and-error method. CAGR formula: (Final Value / Initial Value)^(1/years) - 1. Use XIRR for SIPs, multiple investments, partial withdrawals. Use CAGR for single lumpsum investments. XIRR considers exact investment timing and dates.
How to calculate XIRR in Excel?
Excel XIRR formula: =XIRR(values, dates, [guess]). Values: cash flows (negative for investments, positive for returns). Dates: corresponding transaction dates. Guess: optional starting estimate (default 0.1). Example: Column A has dates (01-Jan-2023, 01-Feb-2023, 01-Dec-2023), Column B has amounts (-5000, -5000, 12000). Formula: =XIRR(B1:B3,A1:A3). Result shows annualized return percentage. Must have at least one positive and one negative value.
What is good XIRR for mutual funds and SIPs?
Good XIRR benchmarks: Equity funds: >12% (excellent), 8-12% (good), <8% (below par). Debt funds: >8% (excellent), 6-8% (good), <6% (poor). Hybrid funds: >10% (excellent), 7-10% (good). XIRR depends on market conditions, fund quality, investment timing. Compare with fund's benchmark and category average. Long-term SIPs (5+ years) typically show better XIRR due to rupee cost averaging and compounding effects.
Why is my SIP XIRR lower than expected returns?
SIP XIRR can be lower due to: Recent investments haven't had time to grow, Market volatility affecting recent NAV, High markets during recent SIP installments, Short investment tenure (<3 years). XIRR calculation gives more weightage to recent investments. Early SIP installments with lower NAV show better returns than recent ones at higher NAV. This is normal and XIRR tends to stabilize over longer investment periods (5+ years).
Can XIRR be negative and what does it mean?
Yes, XIRR can be negative indicating investment losses. Negative XIRR means current value is less than total invested amount on annualized basis. Common causes: Bear market during investment period, Poor fund performance, Short-term market volatility, Wrong investment timing. Negative XIRR in short term (1-2 years) can be normal for equity investments. Don't panic with temporary negative XIRR - equity investments typically recover over longer periods (5+ years).