Configure Inputs

💡 Simple Mode: Perfect for regular investments like SIPs. Enter your investment frequency, dates, and amounts to calculate your annualized return.

How often do you invest?

When did you start investing?

Current date or redemption date

₹10,000
₹
₹500₹10.00 Lakh
₹2.90 Lakh
₹
₹1,000₹5.00 Cr

Total Invested

INR 240,000

Total Value

INR 290,000

Result will appear here

Enter the details to see the breakdown.

Deep Dive & FAQ

Understanding XIRR

XIRR (Extended Internal Rate of Return) is the most accurate way to measure returns when you have irregular cash flows—like SIPs, lump sum investments, partial withdrawals, or any combination of deposits and redemptions at different times.

Why XIRR is Powerful

Unlike CAGR (which only works for a single investment and redemption), XIRR handles:

  • Multiple deposits at different dates (like monthly SIPs)
  • Partial withdrawals during the investment period
  • Irregular investments (different amounts at different times)
  • Exact date precision for accurate annualized returns

XIRR vs CAGR: When to Use What?

ScenarioUse XIRRUse CAGR
Single lump sum investment-✅
Monthly SIP✅-
Irregular investments✅-
Investment with withdrawals✅-

Real-World Use Cases

📊 Mutual Fund SIPs

Calculate the true annualized return of your monthly SIP investments. XIRR accounts for each installment's timing and amount.

🏠 Real Estate

Track property investment with down payment, EMIs, maintenance costs, rental income, and final sale value.

💼 Business Investments

Measure ROI for businesses with multiple capital injections and profit withdrawals over time.

📈 Stock Portfolios

Track returns when you buy stocks at different times, receive dividends, and sell partially.

How to Interpret Your XIRR

< 7%
Below Average
Consider FDs
7-10%
Average
Beating FDs
10-15%
Good
Market returns
> 15%
Excellent
Outperforming

📌 Benchmark Comparisons

  • Bank FD: ~6-7% per year (safe, guaranteed)
  • Inflation: ~5-6% per year (your minimum target)
  • Nifty 50 (20Y CAGR): ~12% per year (equity benchmark)
  • Gold (20Y CAGR): ~9% per year (alternative asset)

Pro Tips for Accurate XIRR

  • Use Exact Dates: XIRR is date-sensitive. Use the actual transaction dates from your statements for precision.
  • Negative for Investments: Money going OUT (deposits) should be negative. Money coming IN (redemptions/current value) should be positive.
  • Include Current Value: Add today's portfolio value as a positive "return" with today's date to see your current XIRR.
  • Don't Mix Investments: Calculate XIRR separately for each fund/stock to identify top performers.
  • Minimum 2 Transactions: You need at least one investment and one return/current value to calculate XIRR.

⚠️ Important Notes

  • XIRR assumes returns are reinvested at the same rate (which may not be realistic)
  • Very short investment periods (less than 1 year) can show misleading annualized rates
  • XIRR doesn't account for risk or volatility—only returns
  • Tax implications vary by investment type and holding period

Example: Monthly SIP

Invested ₹10,000/month for 24 months = ₹2,40,000 total

Current value after 2 years = ₹2,90,000

XIRR = ~18.5% per year 🎉

This means your investments grew at an annualized rate of 18.5%, accounting for the timing of each monthly deposit.