XIRR Calculator
The true annualised return on irregular, dated cashflows — SIP instalments, top-ups and redemptions — accounting for exactly when each rupee went in and came out.
Your cashflows
Invested = negative, received / redeemed = positive.
Results update live — calculations run in your browser, no signup.
10.09%/yr
annualised over 2.4 years — 1.20× your money back
At this rate, your money doubles roughly every 7.2 years (Rule of 72 ≈ 7.1 yrs).
Same calculation as Excel's XIRR() — the annual rate that nets your dated cashflows to zero (Actual/365). Pre-tax and pre-cost; past returns are not guaranteed to repeat.
15 Jan 2024
step 1
−₹50,000
invested
20 Jul 2024
step 2
−₹50,000
invested
10 Jan 2025
step 3
−₹50,000
invested
05 Jun 2026
step 4
+₹1,80,000
received
Invested
₹1.50 L
Received
₹1.80 L
Gain
₹30,000
Invested across 3 transactions between Jan 2024 and Jan 2025 · received Jun 2026 · 1 payout.
Cashflows used
Sorted by date, with days elapsed from the first transaction.
| Date | Days elapsed | Type | Amount |
|---|---|---|---|
| 15 Jan 2024 | 0 | Invested | −₹50,000 |
| 20 Jul 2024 | 187 | Invested | −₹50,000 |
| 10 Jan 2025 | 361 | Invested | −₹50,000 |
| 05 Jun 2026 | 872 | Received | +₹1,80,000 |
XIRR vs simple CAGR
CAGR treats every rupee as invested on day one; XIRR weights each by its actual date.
Simple CAGR on totals
₹1.50 L → ₹1.80 L over 2.4y
7.93%
XIRR (date-weighted)
the honest annualised rate
10.09%
XIRR is higher because your later instalments were invested for less time than the full 2.4 years.
Performance rating
Your XIRR
10.09%
Rating
Good
Each instalment grown at the 10.1% XIRR rate to the final date — earlier money compounds for longer, so it creates more.
Jan 2024
₹50,000 · 2.4y in
Jul 2024
₹50,000 · 1.9y in
Jan 2025
₹50,000 · 1.4y in
| Invested on | Amount | Years invested | Value created |
|---|---|---|---|
| 15 Jan 2024 | ₹50,000 | 2.39y | ₹62,910 |
| 20 Jul 2024 | ₹50,000 | 1.88y | ₹59,886 |
| 10 Jan 2025 | ₹50,000 | 1.40y | ₹57,204 |
What if you'd invested it all at once?
Your ₹1.50 L as a single lump sum on day one, grown at your 10.1% XIRR rate to the end.
Your actual cashflows
₹1.80 L
staggered, 10.1% XIRR
All on day one
₹1.89 L
lump sum, same rate
+₹8,730
more if every rupee had compounded from day one
Investing earlier lets money compound for longer. A lump sum on day one usually ends higher — but rarely realistic when income arrives monthly.
- XIRR: 10.09% (Good)
- Gain: ₹30,000 on ₹1.50 L invested
- Money doubles every 7.2 yrs
Key insight
Your 4 cashflows earned a 10.09% XIRR — a good result. That's higher than the 7.93% simple CAGR because your later instalments compounded for less time.
Key takeaways
- XIRR: 10.09% (Good)
- Gain: ₹30,000 on ₹1.50 L invested
- Money doubles every 7.2 yrs
- Over 2.4 years across 4 cashflows
- XIRR 10.09% vs simple CAGR 7.93%
XIRR explained simply
- It's the one yearly rate that ties all your dated cashflows together — the same maths as Excel's XIRR().
- Every rupee is weighted by exactly when it went in or came out, so timing counts, not just totals.
- It's the honest measure for SIPs, top-ups and partial withdrawals — anything but a single lump sum.
Projected growth at 10.09%
If your current ₹1.80 L kept compounding at your XIRR rate — illustrative, not a guarantee, since past returns don't persist.
In 5 years
₹2.91 L
In 10 years
₹4.71 L
In 15 years
₹7.61 L
In 20 years
₹12.31 L
Compounds your received corpus forward at the same XIRR rate. Real returns vary year to year and a high short-window XIRR rarely repeats.
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Your result: ₹1.50 L invested → ₹1.80 L back, a 10.09% XIRR.
Plan the rest of your money life
You know your real return — now compare it with a CAGR or a lumpsum, or plan the next SIP.
XIRR measures the past performance of the cashflows you enter. Past returns do not guarantee future results, and the figure is pre-tax and pre-cost — your in-hand return is lower. Verify important numbers independently before acting on them.
How XIRR is calculated
0 = Σ CFₖ ÷ (1 + r)^(dₖ ÷ 365)
- CFₖ
- each cashflow (invested = negative, received = positive)
- r
- the XIRR — the annual rate being solved for
- dₖ
- days between the first cashflow and cashflow k
Worked example
With your cashflows — ₹1.50 L invested across 3 transactions and ₹1.80 L received — the solver finds the one annual rate that discounts every dated cashflow to a net of zero: about 10.09% over 2.4 years. It's the same calculation as Excel's XIRR(), so you can verify the result there.
Most asked XIRR questions
XIRR (extended internal rate of return) is the single annualised rate that makes the present value of all your cashflows net to zero, accounting for the exact date of every transaction. It's the right way to measure returns on irregular investments like SIPs, top-ups and partial withdrawals — and it's the same calculation as Excel's XIRR().
CAGR assumes one amount invested at the start and one value at the end. XIRR handles many cashflows on different dates — every SIP instalment, top-up and withdrawal — weighting each by exactly when it happened. For anything other than a single lump sum, XIRR is the accurate measure and CAGR will mislead, because most of your money was usually invested for less time than the full span.
As a rough guide: under 6% a year is poor, 6–10% is average (around fixed-deposit territory), 10–15% is good, 15–20% is excellent, and above 20% is exceptional — though high numbers over short windows can be luck rather than skill. Compare against what the same money would have earned in an FD, PPF or a broad equity index over the same dates.
Divide 72 by your annual return (the Rule of 72) for a quick estimate of the years to double your money. We also show the precise figure, ln(2) ÷ ln(1 + XIRR), which is slightly different from the rule-of-thumb.
Because your later instalments were invested for a shorter time. CAGR on the totals pretends every rupee was in from day one; XIRR knows the third instalment only had a year or so to grow, so the same profit implies a higher annualised rate. That's exactly why XIRR is the honest number for staggered investing.
Money you invest (out of your pocket) is negative; money you receive — a redemption, dividend or sale — is positive. Flip the signs and the rate becomes meaningless. A valid XIRR needs at least one negative and one positive cashflow.
The complete guide to XIRR
Why XIRR, not CAGR
CAGR assumes a single amount in and a single value out. Real investing is rarely that tidy — SIP instalments, top-ups and partial withdrawals all land on different dates. XIRR is the rate that correctly weights every cashflow by exactly when it happened, so it's the honest measure of how your money actually performed. When you stagger your buys, XIRR is usually higher than the simple CAGR on your totals, because your later money was invested for less time.
How it's calculated
XIRR solves for the annual rate that makes the present value of all cashflows net to zero, discounting each by its exact date (Actual/365). It's identical to Excel's XIRR(). A unique answer exists only when you have at least one outflow (investment) and one inflow (redemption) — flip the signs and the rate is meaningless.
Is your XIRR good?
Below ~6% trails inflation and fixed deposits; 6–10% is average; 10–15% is good; 15–20% is excellent; above 20% is exceptional — though high numbers over short windows can be luck. The fairest test is what the same cashflows would have earned in an FD, PPF, gold or a broad index over the same dates.
Common pitfalls
Sign matters: investments are negative, money received is positive. A very short holding period can produce a wild annualised figure from a small absolute move. And remember XIRR is pre-tax and pre-cost; your in-hand return is lower. Don't extrapolate a strong short-run XIRR into the future — it rarely repeats.