XIRR Calculator
Work out the annualized return on investments made at different dates -- SIPs, top-ups, partial withdrawals and more. Add each cash flow with its date and get your XIRR instantly. Every calculation runs in your browser -- nothing you enter is ever sent anywhere.
Cash Flows
Add one row per transaction. Mark money you put in as an Investment, and money you got back -- or what your holding is worth today -- as Redemption / current value.
Results
XIRR (annualized return)
Note: these cash flows switch between money out and money in more than once, so more than one rate can balance them mathematically. The rate shown is the one closest to a typical 10% starting estimate, the same approach spreadsheet XIRR functions use.
Your cash flows span less than a year, so XIRR annualizes a short-term result -- small gains over a few weeks can look like a very large yearly rate.
Total Invested
Total Received / Current Value
Net Gain
Absolute Return
Period Covered
How this XIRR calculator works
XIRR finds the annual rate r for which the present value of all your cash flows adds up to zero: the sum of each amount / (1 + r)^(days since the first cash flow / 365). Investments count as negative cash flows and redemptions or current values as positive ones, using the same Actual/365 day count as spreadsheet XIRR functions. The calculator solves this equation numerically -- first with the fast Newton-Raphson method, then, if that does not converge, by scanning for a range where the answer must lie and narrowing it down by bisection until it is accurate to many decimal places. If no rate can balance your cash flows, it tells you so instead of showing a misleading number. Absolute return simply compares everything you received with everything you invested, without considering time. Everything is computed in your browser.
Is this an official XIRR calculator of any fund house or broker?
No. This is an independent estimation tool built by OurPaisa Tools and is not affiliated with, endorsed by, or an official calculator of any mutual fund house, AMC, broker or bank. Returns shown in your official statements may differ slightly because of rounding, NAV dates and charges.
Is my investment data sent to any server?
No. Every calculation runs entirely in your browser. None of your dates or amounts are ever sent to our servers or stored anywhere. We do not require sign-up or login.
What is XIRR?
XIRR (Extended Internal Rate of Return) is the annualized return on investments made at different dates, such as SIP instalments, top-ups or partial withdrawals. It finds the single yearly rate at which all your cash flows balance out, taking into account exactly how long each rupee was invested.
How do I enter my cash flows?
Add one row per transaction. Mark money you put in as an Investment and money you got back -- a redemption, a dividend payout, or the current value of your holding today -- as Redemption / current value. To measure an investment you still hold, add its current value with today's date as the last row.
Why can XIRR sometimes not be calculated?
XIRR needs at least one investment and one redemption or current value on different dates. With unusual cash-flow patterns there may be no rate that balances them, or more than one. The calculator tells you clearly when no solution exists, and warns you when more than one rate is mathematically possible.
How is XIRR different from CAGR?
CAGR only uses one starting value and one ending value. XIRR handles multiple investments and withdrawals on different dates, so it is the right measure for SIPs and other irregular cash flows. For a single investment and a single redemption, XIRR and CAGR give the same answer.
Disclaimer: This tool provides an estimate for general informational purposes only and does not constitute investment or financial advice. XIRR describes the return on the cash flows you enter; it does not predict future returns, which are never guaranteed, and it does not account for taxes, exit loads or charges unless you include them in your amounts. See our Disclaimer and Terms of Use for more detail.