XIRR Calculator
Any country Currency-neutral arithmetic. Enter figures in your own currency; no country tax rules are applied.
XIRR calculator: the true yearly return on a SIP or irregular investments and withdrawals, matching Excel, with the real return and a benchmark comparison.
Educational estimate only. Not a lending decision. Your numbers stay in this browser.
Results
How to read this: the verdict describes how much room your numbers leave, not a decision or an offer. Change any input to see how much the result moves.
Investing and retirement guides
These guides explain compounding, contribution projections, retirement targets, inflation, and real returns.
- Compound interest explained
- Investment return with contributions
- Retirement savings target
- Inflation and real returns
For all guide topics, open Guides. For source and estimate boundaries, read Calculation Methodology and Sources and Assumptions.
Assumptions and formula
XIRR is the yearly rate r at which every cash flow, discounted from its own date, adds up to zero: Σ amount ÷ (1 + r)^(days since the first cash flow ÷ 365) = 0, with money invested negative and money received (withdrawals and the current value) positive. This is how Excel’s XIRR works; Microsoft’s documented example returns 37.34% here as in Excel.
In SIP mode the instalments fall on the same day each month from the first date (the month’s last day where it is shorter). The absolute return is (current value + withdrawals) ÷ invested − 1, which ignores how long each amount was invested. The real XIRR removes inflation. The benchmark value grows each investment and withdrawal at the rate you enter to the valuation date, showing what an FD or index fund would have done with the same money.
Worked example
₹10,000 on the 4th of each month for 36 months from 4 October 2023, worth ₹4,50,000 on 4 October 2026: ₹3,60,000 invested, a ₹90,000 gain, an absolute return of 25% and an XIRR of about 15.0% a year. At a 7% FD rate the same instalments would be worth about ₹4,00,279.
Frequently asked questions
What is the XIRR of ₹10,000 a month for 3 years worth ₹4.5 lakh?
About 15.0% a year, though the absolute return is 25%. In a 7% FD the same money would be worth about ₹4.0 lakh.
What is XIRR?
The extended internal rate of return: the yearly return on investments made at different times and amounts, such as a SIP, top-ups and withdrawals. It discounts each cash flow from its own date, so money invested last month counts for less time than money invested three years ago.
How do I calculate XIRR for a SIP?
Enter the monthly amount, the first instalment’s date, the number of instalments and the current value. ₹10,000 a month for 36 months from October 2023, worth ₹4,50,000 in October 2026, is an XIRR of about 15.0%, though the absolute return is only 25%.
How do I calculate XIRR in Excel?
Put the dates in one column and the amounts in the next, investments as negative numbers and the current value as a positive number on today’s date, then use =XIRR(amounts, dates). This calculator uses the same method; Microsoft’s own example returns 37.34% here as in Excel.
What is the difference between XIRR and CAGR?
CAGR measures growth between one starting amount and one ending amount. With several investments, CAGR on the totals treats every rupee as if it was invested on day one and understates the return; XIRR weights each by how long it was invested.
What is a good XIRR?
Compare it with what the same cash flows would have earned elsewhere. The benchmark field does that: ₹10,000 a month for 36 months at a 7% FD rate would be worth about ₹4.0 lakh, so a value of ₹4.5 lakh beat it by ₹50,000. Long-run equity fund XIRRs of 10% to 14% are common; short periods swing widely.
Is this an XIRR calculator for mutual funds?
Yes: an XIRR calculator for SIPs, mutual funds, stocks or any irregular cash flows, and an extended internal rate of return calculator that matches Excel. It also works as a SIP XIRR calculator and mutual fund XIRR calculator.
What is the meaning of XIRR?
XIRR means extended internal rate of return: the yearly return that makes the value of all your dated investments and withdrawals equal to what the investment is worth now. It is the right return for a SIP, where money goes in on different dates.
Sources
Sources reviewed 4 October 2026: checked against their current editions on that date.
- Microsoft, XIRR function: the internal rate of return for a schedule of cash flows that is not necessarily periodic, discounting by days ÷ 365 from the first date.
This page is an educational estimate, not personal financial or tax advice. Eligibility and individual circumstances can change the result.