📊 Investment Analysis Tool

📊 XIRR Calculator

Calculate your true portfolio return with our free XIRR (Extended Internal Rate of Return) calculator. Perfect for analyzing investments with multiple cash flows, SIPs, and irregular transactions across mutual funds, stocks, and real estate.

What is XIRR and Why Does It Matter?

CAGR (Compound Annual Growth Rate) assumes you invested a lump sum and made no additional investments. But in reality, most investors use SIPs (Systematic Investment Plans), add bonus money, or withdraw funds at different times.

XIRR is designed specifically for this. It calculates your annualized return considering every investment and redemption on their exact dates. This gives you an accurate picture of your portfolio's real performance.

Example: If you invested ₹10,000 in January, ₹10,000 in February, and ₹15,000 in March, XIRR accounts for the timing of each investment. A simple CAGR calculation would be inaccurate.

📅 Your Investment Transactions

Investment Date	Amount (₹)	Action

Current Portfolio Value (₹) Enter the current market value of your investments as of today

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How This XIRR Calculator Works

Our calculator uses the Extended Internal Rate of Return formula to account for all your cash flows on their specific dates. It then calculates what annualized return these cash flows produced.

✔ Enter each investment date and amount
✔ Add your current portfolio value
✔ Click Calculate to get your XIRR
✔ Receive AI-powered insights about your returns

XIRR vs CAGR: What's the Difference?

CAGR assumes a single lump sum investment with no additional cash flows. It's useful for benchmarks but doesn't reflect most real portfolios.
XIRR accounts for every investment and withdrawal on their actual dates. It's the most accurate measure for personal portfolios with multiple transactions.
For portfolios with monthly SIPs and occasional additions, XIRR is always more accurate than CAGR.
Use our CAGR Calculator to compare and understand the difference.

Common Investment Scenarios for XIRR

🏦 Mutual Fund SIPs - Track returns across monthly investments
📈 Direct Stock Investments - Multiple buy-ins at different prices
🏠 Real Estate - Down payment, additional investments, rental income
💰 Lump Sum + SIP Mix - Combined portfolio with different investment styles
🔄 Portfolio Rebalancing - Regular additions and reductions across funds

Learn More About Investment Returns

Understand the nuances of calculating investment returns and optimizing your portfolio strategy.

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Disclaimer: This XIRR Calculator provides estimated calculations based on the cash flows and current value you enter. The calculation is for educational and informational purposes only. Actual returns may vary depending on investment performance, market conditions, inflation, taxes, and individual circumstances. Past performance does not guarantee future results. Please consult a qualified financial advisor before making investment decisions or portfolio changes.