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RETURNS04 / 06 · Financial planning tool
XIRR Calculator
Measure the annualized return of SIPs and investments where cash flows happen on different dates.
RETURNS · XIRR Calculator
XIRR Calculator
Annualize SIPs and investments made across different dates. All calculations happen in your browser.
Annualized return (XIRR)13.44%
Invested₹1,80,000
Current value₹2,20,000
Gain₹40,000
Absolute return22.22%
For planning and educational purposes only. Results depend on the assumptions you enter and are not investment advice.
WHY THIS TOOL EXISTS
Why XIRR is useful for real portfolios
A SIP does not have one holding period: every instalment has been invested for a different length of time. XIRR accounts for those dates and gives you a money-weighted annualized return.
01 · Inputs matter02 · Time changes the answer03 · Use it for planning
HOW TO USE IT
Turn the inputs into a better decision.
Keep assumptions realistic, compare scenarios and use the output as one input in your decision — not as a promise of returns.
Enter the current value of the investment.
Read the annualized XIRR and compare it with the absolute gain.
For short holding periods, remember that annualization can make returns look unusually large.
COMMON QUESTIONS
Before you use the number.
01What is XIRR?+
XIRR is the annualized return for cash flows that occur on different dates. It finds the rate that balances those dated cash flows.
02How is XIRR different from CAGR?+
CAGR assumes one initial investment and one final value. XIRR can handle multiple contributions and withdrawals at different dates.
03Why can XIRR look huge for a short period?+
XIRR annualizes the result. A gain over a few weeks or months can therefore look extreme when expressed as a full-year rate.
04Is my calculator data saved?+
This calculator performs the calculation in your browser. The figures you enter are not submitted to a calculator server by this tool.