Same result as Excel’s XIRR · Free, no sign-up
XIRR Calculator for SIP & Irregular Cash Flows
Find the true annual return on your SIPs, mutual funds, stocks or any investment with money going in and out on different dates. Add rows, auto-fill a SIP, or paste straight from Excel, and this XIRR calculator does the rest.
- Any number of cash flows
- SIP auto-fill
- Paste from Excel or CSV
- Compare with FD returns
- AnyNumber of investments and withdrawals
- 365Day-count basis, same as Excel
- 3Ways to add data: type, SIP fill or paste
- 0Sign-ups or data uploads
Better than a basic SIP calculator
Why use this XIRR calculator
Many XIRR calculators only handle a fixed SIP, or ask you to remember which amounts need a minus sign. This one works with real, messy investment histories.
Any mix of cash flows
Add lump sums, SIPs, top-ups, skipped months and partial withdrawals, each with its own date.
No minus-sign mistakes
Choose Investment, Withdrawal or Current value for each row. The calculator applies the right sign for you.
SIP auto-fill
Enter the amount, first date, frequency and number of instalments, and every SIP row is created for you.
Paste from a spreadsheet
Copy two columns from Excel, Google Sheets or your broker’s statement and import them in one go.
Compare with an FD
See how many percentage points a year your investment beats, or trails, a fixed deposit or benchmark.
Export and check
Download your cash flows as a CSV and use the matching Excel formula to double-check the result.
Takes a minute
How to use the XIRR calculator
Five steps to your real annual return.
Gather your transactions
Find the date and amount of every purchase and redemption in your account statement.
Add them to the table
Type each row, auto-fill a regular SIP, or paste two columns from a spreadsheet.
Add the current value
If you still hold the investment, add its value today as the last row with the type Current value.
Read your XIRR
The XIRR, total invested, gain and absolute return update as you type.
Compare and save
Compare with an FD rate, then copy the summary or download the CSV.
Understand the number
What XIRR means and how it is calculated
XIRR, or extended internal rate of return, is the single yearly rate that makes the value of all your cash flows, measured on their exact dates, add up to zero. In simple terms, it is the annual return your money actually earned, after accounting for when each rupee went in and came out.
That is why XIRR is the right measure for SIPs. A SIP instalment made last month has had far less time to grow than one made three years ago, and XIRR gives each one the right weight.
How to calculate XIRR in Excel or Google Sheets
- Put dates in column A and amounts in column B.
- Enter investments as negative numbers and withdrawals or the current value as positive numbers.
- Type
=XIRR(B2:B20, A2:A20)and format the cell as a percentage.
For fixed monthly investments, you can also project future value with our SIP calculator.
The XIRR formula
XIRR is the rate r that solves:
Σ Cash flowᵢ ÷ (1 + r)^((dateᵢ − first date) ÷ 365) = 0There is no direct formula for r, so it is found by trial, the same way spreadsheets do it.
| Date | Cash flow |
|---|---|
| 1 Jan 2025 | −₹10,000 |
| 1 Feb 2025 | −₹10,000 |
| 1 Mar 2025 | −₹10,000 |
| 1 Jan 2026 (value) | ₹32,500 |
| XIRR | 9.11% |
Which return to use
XIRR vs CAGR vs absolute return
All three describe returns, but they answer different questions.
| Measure | What it tells you | Considers timing? | Best for |
|---|---|---|---|
| XIRR | Annual return across many cash flows on different dates | Yes, each date | SIPs, top-ups, withdrawals, portfolios |
| CAGR | Annual growth rate between one start value and one end value | Start and end only | A single lump sum held for a period |
| Absolute return | Total gain as a percentage of money invested | No | Holdings under one year |
For a single investment, use our CAGR calculator. For one lump sum, XIRR and CAGR give the same answer.
Answers
XIRR calculator FAQs
What is XIRR?
XIRR, or extended internal rate of return, is the annual return on an investment where money goes in or out on different dates. It gives each cash flow the right weight based on how long the money was invested.
How do I calculate XIRR for a SIP?
List every SIP instalment as an investment with its date, then add the current value of your holding as the last row with today’s date. The calculator, or the XIRR function in Excel, finds the annual rate that links them.
What is a good XIRR for mutual funds?
There is no single good number. Compare your XIRR with the fund’s category average, a relevant index and safer options such as a fixed deposit. Past returns are not guaranteed to continue.
What is the difference between XIRR and CAGR?
CAGR measures growth between one starting amount and one ending amount. XIRR handles many cash flows on different dates, which makes it the right measure for SIPs, top-ups and withdrawals. For a single lump sum, both give the same answer.
Why is my XIRR different from my absolute return?
Absolute return ignores time. XIRR turns your gain into a yearly rate. A 20% gain earned in one year is a 20% XIRR, but the same gain over four years is a much lower XIRR.
Can XIRR be negative?
Yes. If your current value plus withdrawals is less than the total you invested, the XIRR is negative, which means you lost money on an annual basis.
Why does XIRR look very high for short periods?
Because it is annualised. A 5% gain in two months works out to more than 30% a year. XIRR on holdings of less than a year can be misleading, so look at absolute return as well.
Is this XIRR calculator the same as Excel’s XIRR?
Yes. It uses the same method as the XIRR function in Excel and Google Sheets, with a 365-day year, so the results should match.
Do I enter investments as negative numbers?
Not in the table. Choose Investment, Withdrawal or Current value for each row and the calculator applies the sign. When pasting from a spreadsheet, use negative numbers for investments.
Know your real return, not just your gain
Use the XIRR calculator every few months to check whether your SIPs and investments are really beating an FD, after accounting for when you invested.
Calculate my XIRRResults are for information only and are not investment advice. XIRR reflects past cash flows and does not predict future returns.