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XIRR Calculator 2026-27

Calculate the true annualised return on your SIP or irregular investments. More accurate than CAGR for real-world portfolios.

โœ“ Irregular Cash Flows  ยท  โœ“ SIP & Lumpsum  ยท  โœ“ Newton-Raphson Solver
Quick XIRR โ€” Regular SIP
For a regular monthly SIP, enter details below. For irregular cash flows, use the manual entry table on the right.
e.g. 36 months = 3 years
Your mutual fund's current value
Results update automatically
Your XIRR
True annualised return
0%
Total Investedโ‚น0
Current Valueโ‚น0
Absolute Gainโ‚น0
Simple Return0%

What is XIRR?

XIRR (Extended Internal Rate of Return) is the most accurate way to measure the annualised return of an investment that involves multiple cash flows at irregular dates โ€” like a monthly SIP, partial redemptions, or lumpsum investments at different times. Unlike CAGR, which assumes a single investment at the start, XIRR accounts for the exact dates and amounts of every transaction.

How is XIRR Calculated?

XIRR finds the rate (r) that makes the Net Present Value (NPV) of all cash flows equal to zero, solved iteratively using the Newton-Raphson method.

NPV = ฮฃ [ CF_i / (1 + XIRR)^(d_i / 365) ] = 0 CF_i = Cash flow on date i (negative for investments, positive for withdrawals/redemption) d_i = Number of days from the first transaction date XIRR = Annual rate that satisfies the above equation

XIRR Calculation Example

Suppose you invested โ‚น10,000/month for 36 months (3 years) and your current portfolio value is โ‚น4,50,000:

Total invested: โ‚น10,000 ร— 36 = โ‚น3,60,000 Current value: โ‚น4,50,000 Absolute gain: โ‚น90,000 Simple return: 25% (misleading โ€” ignores timing) XIRR: ~15.2% p.a. (true annualised return)

XIRR vs CAGR vs Absolute Return

CAGR is only accurate for a single lumpsum investment held to maturity. Absolute Return (total gain %) ignores the time period completely. XIRR is the only metric that correctly accounts for multiple investments at different dates โ€” making it the industry standard for measuring SIP and mutual fund portfolio performance.

Who Uses XIRR?

Mutual fund investors checking real SIP performance, financial advisors comparing portfolio returns, investors with irregular investments or partial redemptions, and anyone wanting to compare their returns fairly against index benchmarks. Most mutual fund apps like Zerodha Coin, Groww, and Kuvera show XIRR as the primary return metric.

What is a Good XIRR?

For equity mutual fund SIPs over 5+ years: 12โ€“18% XIRR is considered good. Large-cap/Nifty index funds typically deliver 11โ€“13% XIRR. Mid-cap and small-cap funds can deliver 14โ€“18% over long periods. Anything consistently above 20% is exceptional. Negative XIRR is normal during market downturns and typically recovers over 3โ€“5 years.

Related Calculators

To plan future SIP returns, use our SIP Calculator. Compare regular vs step-up investing with our Step-Up SIP Calculator. For lumpsum investment returns, use our Lumpsum Calculator.

Frequently Asked Questions

What is XIRR and how is it different from CAGR? โŒ„
CAGR assumes a single lumpsum investment at the start. XIRR (Extended Internal Rate of Return) handles multiple investments and withdrawals at different dates, giving the true annualised return. For SIPs and real-world portfolios, XIRR is always more accurate than CAGR.
What is a good XIRR for a mutual fund SIP? โŒ„
A good XIRR for an equity mutual fund SIP over 5+ years is 12โ€“18% p.a. Large-cap/Nifty index funds typically deliver 11โ€“13% XIRR. Mid-cap and small-cap can deliver 14โ€“18% over long periods. Anything above 20% consistently is exceptional.
Can XIRR be negative? โŒ„
Yes. If your current portfolio value is less than the total amount invested (especially in a market downturn), XIRR will be negative. This is normal in the short term for equity investments.
How does XIRR handle SWP withdrawals? โŒ„
Withdrawals are entered as positive cash flows (money coming to you). Investments are entered as negative cash flows (money going out). XIRR finds the rate that makes all these flows net to zero in present value terms.
Why does my XIRR differ from my app? โŒ„
XIRR is solved iteratively (Newton-Raphson method) and can have multiple solutions. Small differences in the initial guess, date handling, or rounding can cause slight variations between calculators. A difference of ยฑ0.1% is normal.