Investment
XIRR Calculator
Computes the annualized return for a series of cash flows on irregular dates — the correct metric for SIP-style investing.
Your details
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XIRR (annualized return)
6.82%
Total invested
₹3,00,000
Current value
₹3,80,000
Your investments returned an annualized 6.82% (XIRR), accounting for exactly when each rupee was invested — unlike CAGR, which assumes a single lump sum.
How this is calculated
Solves for r in Σ [CFᵢ / (1+r)^((dᵢ−d₀)/365)] = 0 using Newton-Raphson iteration — the standard method for annualizing irregular cash flows.
Frequently asked questions
XIRR vs CAGR vs absolute return?
Absolute return ignores time entirely; CAGR assumes one lump sum; XIRR correctly weights multiple cash flows by their exact dates — the right tool for SIPs.
How do I find my SIP cash flow dates?
Check your mutual fund statement or app for each installment date and amount — this calculator supports up to three investment dates plus a current value.
What is a good XIRR for equity mutual funds?
12–15% XIRR over 5+ years is commonly cited as strong for diversified equity funds — actual results vary by fund and market cycle.
Can XIRR be negative?
Yes — if your current value is lower than what you invested, XIRR will correctly show a negative annualized return.