Calculate accurate annualised returns for SIPs, lumpsum top-ups, and any irregular investment cashflows. Add as many dates and amounts as needed — get your true XIRR instantly.
💰 Investment Cashflows (Outflows)
DateAmount Invested (₹)
💵 Current Value / Redemption
Today's value of all your investments, or the redemption amount
—
Annualised Return (XIRR)
—XIRR
—Total Invested
—Absolute Gain
—
How to Use This Calculator
1
Add every investment date and amount
Check your mutual fund statement for each SIP instalment or lumpsum date. Add a row for each one — even if amounts vary.
2
Enter current value
Check your current portfolio value on the AMC app, CAMS/KFintech statement, or your broker app. Use today's date.
3
Calculate and review
XIRR shows your true annualised return accounting for exact timing of every rupee invested.
💡For a quick estimate without exact dates, use our SIP Calculator instead — it assumes equal monthly investments. Use XIRR when your investment amounts or dates were irregular.
Most investors track their mutual fund "returns" by simply looking at the fund's published CAGR. But that number reflects a single lumpsum investment — not the SIP instalments and top-ups you actually made on different dates. XIRR (Extended Internal Rate of Return) solves this by calculating the exact annualised return accounting for every individual cashflow's amount and date.
This is the same metric used by every mutual fund platform (Groww, Zerodha Coin, Paytm Money) to show your "personal returns" — distinct from the fund's overall CAGR shown in fact sheets.
💡If you invested heavily during a market dip (like early 2025 corrections), your XIRR could be higher than the fund's stated CAGR. If you invested mostly near market peaks, your XIRR could be lower. This is why personal returns differ from fund returns.
How XIRR Is Calculated
XIRR Formula (Net Present Value = 0)
Σ [CFi ÷ (1+r)^(di/365)] = 0 where CFi = cashflow i, di = days from first cashflow, r = XIRR (solved iteratively)
Unlike simple interest or CAGR, there's no direct algebraic formula for XIRR — it requires iterative numerical methods (Newton-Raphson) to find the rate r that makes the net present value of all cashflows equal zero. This is exactly what Excel's XIRR function and this calculator do under the hood.
5 Mistakes When Calculating Personal Investment Returns
Mistake 1 — Using CAGR for SIP investments
✗ "Fund shows 14% CAGR, so my SIP also earned 14%"
✓ Your actual SIP return depends on exact investment dates — use XIRR
CAGR assumes a single lumpsum investment held for the entire period. SIP investments spread across months/years have a fundamentally different, time-weighted return profile that only XIRR captures correctly.
Mistake 2 — Ignoring partial withdrawals in the calculation
✗ Only counting investments, forgetting a partial redemption you made
✓ Include every cashflow — investments (negative) AND withdrawals (positive)
If you withdrew money partway through, that withdrawal is a positive cashflow at that date. Omitting it skews your XIRR significantly, especially for large withdrawals.
Mistake 3 — Comparing XIRR across different time periods
✗ "My fund A has 18% XIRR over 6 months vs fund B's 12% over 3 years"
✓ Always compare XIRR over similar time periods — short-term XIRR is highly volatile
A 6-month XIRR can swing wildly due to short-term market noise. Meaningful comparison requires at least 3-5 years of data for equity funds.
Frequently Asked Questions
XIRR (Extended Internal Rate of Return) calculates annualised returns for investments with irregular cashflows — different amounts on different dates, like SIPs, top-ups, and partial withdrawals. It accounts for the exact timing of every rupee invested.
CAGR works only for a single lumpsum with one entry and exit. XIRR works for multiple cashflows at different dates — perfect for SIPs. For pure lumpsum, XIRR = CAGR. For SIPs, only XIRR gives accurate annualised return.
The fund's CAGR reflects point-to-point lumpsum performance. Your XIRR depends on exactly when you invested each instalment — investing during dips can give higher XIRR than the fund's CAGR; investing near peaks can give lower XIRR.
For equity funds over 5+ years, 12-15% XIRR is good. Large-cap/index: 10-12%. Mid/small-cap: 14-18% with higher volatility. Debt funds: 6-8%. Always compare over 3-5+ years — short-term XIRR is misleading.
Yes. If current value is less than total invested, XIRR is negative — annualised loss. Common during market corrections or shortly after starting an equity SIP, since short-term equity returns are volatile.
Use =XIRR(values, dates). The values range has cashflows (negative for investments, positive for final value), dates has corresponding dates. Excel uses the same iterative method (Newton-Raphson) as this calculator, giving identical results.
📅 June 2026 · Written by the ToolLoom Team · Reviewed for accuracy June 2026 About ToolLoom: XIRR calculated using Newton-Raphson iterative method, matching Excel's XIRR function. Found an error? Email contact@toolloom.in