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XIRR Calculator
Calculate Extended Internal Rate of Return (XIRR) for your investments
Add Cash Flows
Cash Flow #1
Investment (negative)
Cash Flow #2
Return (positive)
Extended Internal Rate of Return (XIRR)
+50.04%
Investment Period: 1.00 years (365 days)
Total Invested
₹1,00,000
Total Received
₹1,50,000
Absolute Returns
₹50,000
Return Percentage
+50.00%
CAGR (for comparison)
50.04%
Cash Flow Timeline
Cumulative Balance Over Time
Cash Flow Breakdown
16 Mar 2025
-₹1,00,00016 Mar 2026
+₹1,50,000Investment Summary
Investment Start Date16 March 2025
Last Cash Flow Date16 March 2026
Investment Period1.00 years (365 days)
Total Investments₹1,00,000
Total Returns₹1,50,000
Net Returns+₹50,000(+50.00%)
XIRR+50.04% p.a
CAGR (Simplified)50.04% p.a(for comparison)
Understanding XIRR
What is XIRR?
- • XIRR (Extended Internal Rate of Return) calculates annualized returns for irregular cash flows
- • More accurate than CAGR for SIPs, irregular investments, or multiple transactions
- • Accounts for exact dates of investments and returns
- • Uses time-weighted calculations to reflect actual investment performance
XIRR vs CAGR:
- • CAGR: Assumes regular, equal investments over time
- • XIRR: Handles irregular cash flows with different dates and amounts
- • Use XIRR for: SIPs, multiple investments, dividends, partial withdrawals
- • Use CAGR for: Simple lump sum investments with regular returns
How to Use:
- • Enter investments as negative amounts (e.g., -5000 for ₹5,000 investment)
- • Enter returns/withdrawals as positive amounts (e.g., 15000 for ₹15,000 return)
- • Include all cash flows: investments, dividends, withdrawals, final redemption
- • Ensure dates are accurate - XIRR is sensitive to timing
- • Last cash flow should typically be your current value or final redemption
Disclaimer: This calculator is for estimation purposes only. Results are approximate and may vary from actual values. Please consult with a financial advisor for personalized advice.