Calculate the XIRR (Extended Internal Rate of Return) for a series of irregular cash flows - useful for investments with uneven timing, like SIPs, redemptions, or multiple lump-sum entries and exits.
Cash Flows
Enter investments (money going out) as negative amounts and returns/redemptions (money coming in) as positive amounts.
How to Use the XIRR Calculator
For each transaction, enter its "Date" and "Amount (₹)".
Enter investments as negative amounts (e.g. -50000) and returns/redemptions as positive amounts (e.g. 65000).
Use "Add Cash Flow" to add more rows, or the × button to remove one (at least two rows are required).
Click "Calculate XIRR" to see the annualized rate of return across all your cash flows.
Frequently Asked Questions
XIRR calculates the annualized return for cash flows that happen on irregular dates and amounts, like SIPs or multiple lump-sum investments and withdrawals. CAGR only works for a single investment and a single withdrawal, assuming smooth compounding in between.
It finds the rate that makes the XNPV (extended net present value) of all your cash flows equal to zero, using the Newton-Raphson iterative method. Each cash flow is discounted based on the number of days between its date and the first cash flow's date, divided by 365.
XIRR measures the return on money invested (outflows) versus money received back (inflows). Without at least one of each, there's no meaningful rate of return to solve for.
Yes, it's completely free and requires no sign-up.