XIRR Calculator
Calculate your annualized investment return with our free online XIRR calculator. Add multiple investments, withdrawals and dates to calculate XIRR instantly.
Enter Your Cash Flows
Enter your investment or withdrawal amount and the date of each transaction.
Calculate Your XIRR
Make sure you have entered at least one investment and one return.
Your XIRR Result
Your estimated annualized investment return is:
What Is XIRR?
XIRR stands for Extended Internal Rate of Return. It is a method used to calculate the annualized return on an investment when cash flows happen on different dates.
Unlike a simple return calculation, XIRR takes both the amount and timing of each investment or withdrawal into account. This makes it particularly useful for investments such as SIPs, mutual funds, stocks and portfolios where money may be invested at different times.
How Does an XIRR Calculator Work?
An online XIRR calculator uses your investment amounts, withdrawal amounts and transaction dates to estimate the annualized rate of return. Each investment is treated as a cash outflow and each amount received is treated as a cash inflow.
XIRR Calculator Example
Suppose you invest ₹10,000 on 1 January 2024 and invest another ₹5,000 on 1 July 2024. If your investment is worth ₹20,000 on 1 January 2025, you can enter all three transactions into the calculator to determine the annualized XIRR.
XIRR vs CAGR
CAGR is generally used when there is one initial investment and one final value over a defined period. XIRR is more suitable when there are multiple cash flows occurring on different dates.
Useful for a simple investment with a beginning value and ending value.
Useful when investments or withdrawals occur on different dates.
Why Use an Online XIRR Calculator?
- Calculate annualized investment returns quickly.
- Handle multiple investment dates.
- Calculate returns for irregular cash flows.
- Compare different investment strategies.
- Avoid complicated manual calculations.
Frequently Asked Questions
What is an XIRR calculator?
An XIRR calculator calculates the annualized rate of return for investments that have multiple cash flows occurring on different dates.
What is XIRR in mutual funds?
XIRR is commonly used to measure the annualized return of a mutual fund investment when investments or withdrawals occur at different times, such as with SIPs.
Is XIRR better than CAGR?
XIRR and CAGR are used for different situations. CAGR works well for a single beginning investment and ending value, while XIRR is designed for multiple cash flows occurring on different dates.
Can I use this online XIRR calculator for SIP investments?
Yes. You can enter each SIP investment with its corresponding date and enter the final investment value as a return or current value.
Does XIRR show annualized returns?
Yes. XIRR represents an annualized rate of return based on the amount and timing of the cash flows entered into the calculator.
Is this XIRR calculator free?
Yes. This online XIRR calculator is free to use and does not require registration.