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XIRR (Extended Internal Rate of Return) is the annualised return of an investment when money moves in and out on irregular dates — multiple purchases, top-ups, partial withdrawals, or a SIP with gaps. Unlike CAGR, which needs just one start and one end value, XIRR correctly weights each cash flow by exactly how long it was invested for.
Most real portfolios are not a single lump sum — they are built from a SIP, occasional lump-sum top-ups, and sometimes partial redemptions. A simple return calculation would be misleading here, since your first instalment and your last instalment have been invested for very different lengths of time. XIRR is the standard way fund houses and portfolio trackers report your actual personal return.
If you invested a single amount once and want the annualised growth to a single ending value, use the CAGR Calculator — it is simpler and sufficient. Use XIRR whenever there is more than one cash flow on more than one date.
You invest ₹1,00,000 on 1 Jan 2022, add ₹50,000 on 1 Jan 2023, and the investment is worth ₹2,00,000 on 1 Jan 2025:
XIRR solves for the single annual rate that discounts all three cash flows (−1,00,000, −50,000, and +2,00,000, each on its own date) to zero net present value — typically landing in the mid-teens for this example, and differing meaningfully from a naive average return calculation.
Add one row per cash flow: enter the date and amount, using a negative number for money you invested and a positive number for money you received (including your current holding value as of today). Add as many rows as you need, then the calculator solves for your XIRR instantly.
XIRR solves for the rate that balances money going out (investments, shown as negative) against money coming in (redemptions or current value, shown as positive). Without at least one of each, there is nothing to solve for.
Use today's date and enter your fund or portfolio's current market value as a positive cash flow — this is standard practice and is exactly what mutual fund platforms do when they show your personal XIRR.
No. A fund's published CAGR reflects the fund's performance for a lump-sum investor over that exact period. Your personal XIRR reflects your own actual cash flows and timing, which usually differs from the fund's headline number.
