XIRR calculator
Annualised return for irregular cash flows, such as SIPs.
Your inputs
Choose Invested for money you put in and Received for redemptions or today's value.
Results
Generated on 11 Oct 2026
Your inputs
XIRR
9.06%
annualised return on 5 cash flows
- Total invested
- ₹2,00,000
- Total received
- ₹2,75,000
- Estimated gains
- ₹75,000
- Absolute return
- 37.50%
Cash flows (sorted by date)
| Date | Amount | Net invested so far |
|---|---|---|
| 10 Jan 2022 | −₹1,00,000 | ₹1,00,000 |
| 15 Jun 2023 | −₹50,000 | ₹1,50,000 |
| 11 Mar 2024 | −₹50,000 | ₹2,00,000 |
| 3 Feb 2025 | ₹30,000 | ₹1,70,000 |
| 1 Oct 2026 | ₹2,45,000 | −₹75,000 |
Assumptions and method
Formula
- Find r such that Σ aₖ / (1 + r)^((dₖ − d₀) / 365) = 0 (Excel XIRR)
- Newton–Raphson from 10%, tolerance 1e-7; Brent fallback
Not included
- Taxes, unless your amounts are already after tax.
This is an illustration based on the return you entered. Actual returns vary and may be lower or negative.
Past performance may or may not be sustained in future. Returns shown are not an indication of future returns.
Mutual fund investments are subject to market risks, read all scheme related documents carefully.
How it works
XIRR is the annualised return of a series of cash flows on different dates, such as SIP instalments, top-ups and redemptions. It is the same calculation as Excel’s XIRR function.
Enter each investment as a negative amount and each redemption (or today’s value) as a positive amount. You can paste two columns (date and amount) straight from Excel or Google Sheets, or generate a monthly SIP.
Frequently asked questions
Why are investments negative?
XIRR follows the cash: money leaving your pocket is negative and money coming back (or the current value) is positive. You need at least one of each.
Does this match Excel?
Yes. We use Newton–Raphson with a fallback to Brent’s method and match Excel to within 0.0001%.
Which date formats can I paste?
ISO (2024-01-15), Indian day-first (15/01/2024, 15-01-24), and month names (15 Jan 2024). Amounts may use Indian or international commas, ₹ signs, and brackets for negatives.