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XIRR Calculator — Calculations & Slabs for FY 2026-27

Enter your cash inflows and outflows with dates to calculate the annualised XIRR -- the internal rate of return on irregular investment or loan repayment series.

1. Investment Schedule Inputs

Frequently Asked Questions (FAQ)

What is XIRR and how is it different from CAGR?

CAGR (Compound Annual Growth Rate) calculates the annualized return for a single point-to-point investment (one lumpsum purchase and one sale). XIRR (Extended Internal Rate of Return) calculates the annualized return for multiple transactions occurring at different intervals, such as monthly SIPs, making it the correct metric for SIP returns.

Why is XIRR preferred for evaluating mutual fund SIPs?

A mutual fund SIP involves buying units on different dates at different NAVs. Since each installment compounds for a different number of days, simple averages or CAGR will give incorrect results. XIRR normalizes all cash flows to a single annualized percentage rate.

What is a good XIRR rate for equity mutual funds in India?

Historically, Indian equity mutual funds have delivered long-term XIRR returns in the range of 12% to 15% over a 5 to 10-year period. However, returns fluctuate depending on market cycles and fund selection, and debt funds typically offer lower (6% to 9%) returns.

Can XIRR be negative?

Yes, if the current value of your portfolio is less than the total amount of money you have invested, your XIRR will be negative. This happens during stock market downturns or if you withdraw your investments at a loss.

Where can I verify the source data for this calculator?

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.

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About This Calculator

Target Audience: Salaried taxpayers, investors & retirees planning Indian tax & wealth growth

💡 What Does This Calculator Do?

This calculator computes the Extended Internal Rate of Return (XIRR) for investments with multiple cash flows, such as mutual fund SIPs, lumpsum deposits, or irregular investments. It uses numerical analysis to find the annualized rate of return that matches your investment contributions to the final current value.

📋 How to Use It

  1. 1
    Investment Type: Select whether your investment is a regular SIP or a combination of Lumpsum and SIP.
  2. 2
    Monthly SIP (₹): Enter the regular monthly investment amount.
  3. 3
    SIP Duration (Years): Enter the number of years you have been investing.
  4. 4
    Current Value (₹): Enter the current valuation of your investment portfolio.
  5. 5
    Initial Lumpsum (₹): Enter any initial one-time investment made at the start (applicable for Lumpsum + SIP).

🧬 The Logic Explained Simply

  • The Concept: When you invest in a SIP, each installment is invested at a different date and compiles returns for a different duration. A simple CAGR formula cannot measure this because it assumes a single investment date. XIRR solves this by finding the exact discount rate that makes the net present value (NPV) of all cash flows (negative for investments, positive for the final value) equal to zero.
  • The Formula:
  • The equation to solve is: NPV = sum[ C_i / (1 + r)^(d_i - d_0) / 365 ] = 0, where C_i is the cash flow, d_i is the date of the cash flow, and r is the annual rate of return. The calculator uses Newton-Raphson iteration to solve for r.

💡 Real-World Calculation Breakdown

For example, you invest in a monthly SIP of ₹10,000 for 5 years (60 installments) and the final portfolio value is ₹8,00,000:

  • Total Invested Amount = ₹10,000 × 60 = ₹6,00,000
  • Portfolio Value = ₹8,00,000
  • Cash Flows: 60 monthly payments of -₹10,000 followed by +₹8,00,000 at the end.
  • XIRR (solving the equation) = 11.45% per annum
  • Absolute Return = (₹8,00,000 - ₹6,00,000) / ₹6,00,000 × 100 = 33.33%

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