XIRR Calculator (Extended Internal Rate of Return)
Calculate Extended Internal Rate of Return (XIRR) for irregular SIPs, top-ups, partial redemptions, and mutual fund portfolios.
Your cash flow portfolio achieved an annualized Extended Internal Rate of Return (XIRR) of 11.46% p.a., generating ₹30,000 in net profit on a total invested capital of ₹150,000 over 2 years.
Annualized return solver for irregular SIPs, top-ups, partial redemptions, and portfolio valuations using Newton-Raphson numerical root finding.
⚡ Smart XIRR Cash Flow Presets
1. Multi-Transaction Cash Flow Schedule
Enter date and amount for each cash flow. Use Negative (-) for investments/deposits, and Positive (+) for redemptions/current portfolio valuation.
| # | Transaction Date | Description / Label | Cash Flow Amount (₹) | Type Indicator | Action |
|---|---|---|---|---|---|
| 1 | 🔴 Outflow (Investment) | ||||
| 2 | 🔴 Outflow (Investment) | ||||
| 3 | 🟢 Inflow (Valuation/Payout) |
Annualized XIRR is 11.46% p.a. over a 2-year horizon.
Unlike simple CAGR (9.54%), XIRR accurately accounts for the exact dates and amounts of every intermediate cash deposit and withdrawal.
How Repayment & Lifecycle Works
Understanding the key phases of your loan or investment timeline
Enter Investment Cash Outflows (-)
Add your purchase dates and amounts using negative values (e.g. -₹1,00,000 for initial deposit or SIPs).
Enter Redemption / Current Portfolio Inflow (+)
Add your redemption or current net asset portfolio valuation on the target date using a positive value.
Add Intermediate Cash Flows (Top-ups or Partial Redemptions)
Easily add multi-transaction top-ups or dividend/partial withdrawal cash flows.
Audit Annualized XIRR & Benchmark Insights
Instantly view your exact Extended Internal Rate of Return (XIRR % p.a.) and compare it to simple CAGR.
Who Should Use the XIRR Calculator (Extended Internal Rate of Return)?
Mutual Fund SIP Investors
Investors analyzing true annualized returns across monthly SIP deposits, step-up contributions, and current portfolio value.
Direct Equity & Stock Traders
Traders evaluating multi-tranche stock purchases, dividend payouts, and final portfolio valuations.
Real Estate & Private Equity Investors
Property owners calculating returns across purchase price, periodic rental income, and property sale proceeds.
Financial Analysts & Wealth Managers
Wealth advisors needing exact Newton-Raphson XIRR precision for client portfolio performance reporting.
Key Benefits
- Accurately measure real annualized returns for irregular Mutual Fund SIP investments
- Factor in the exact dates of multiple top-up contributions and dividend/partial redemptions
- Eliminate return calculation errors caused by simple CAGR or absolute return metrics
- Compare portfolio performance against benchmark FD rates or market indices
Platform Features
- Flagship XIRR calculation engine utilizing Newton-Raphson numerical root finding with bisection fallback
- Dynamic multi-transaction cash flow table with Add Row and Delete Row controls
- Clear cash-flow direction indicators (Outflow (-) vs Inflow (+))
- Absolute profit and absolute return percentage indicators
- Total holding period horizon counter
- Side-by-side XIRR vs Benchmark CAGR comparison card
- Scenario analysis matrix (+10% / -10% valuation sensitivities)
Extended Internal Rate of Return (XIRR) Equation
Transaction amount (negative for investment deposit, positive for redemption or valuation).
Exact day difference between transaction date d_i and initial cash flow date d_1.
Standard year fraction incorporating leap-year precision.
Solved numerically using Newton-Raphson iteration so Net Present Value equals zero.
Practical Worked Scenarios
Benchmark Case Study: 1-Year Lumpsum Investment (-₹1 Lakh to +₹1.10 Lakhs)
Benchmark Case Study: Lumpsum + Top-up + Valuation (-₹100k, -₹50k, +₹180k)
Common Mistakes to Avoid
Critical financial oversights that reduce long-term returns
Entering all amounts as positive numbers: XIRR will fail unless there is at least one negative outflow and one positive inflow.
Confusing Absolute Return with XIRR: A 50% absolute return over 10 years translates to an XIRR of only ~4.14% p.a.
Using incorrect dates: Date accuracy is critical for XIRR because day fractions directly dictate exponential discounting.
XIRR Calculator (Extended Internal Rate of Return) FAQs
Clear answers to common questions about calculations and methodology