Online XIRR Calculator: Your Key to Smarter Investment Decisions

XIRR Calculator

Calculate Extended Internal Rate of Return for Irregular Cash Flows

Cash Flow Input

Enter investments and interim withdrawals, then provide the Final Redemption / Current Value separately

No confusion rule

Use the table for Investments and Interim Withdrawals (partial redemptions).
Use the Final Redemption box for the ending value/redemption (last date).
You can enter plain positive amounts; the calculator applies correct signs automatically.

Investment Analysis

Confusion-free breakdown: Gross Invested, Interim Withdrawals, Net Invested, Final Value

Ready for Calculation

Enter transactions, set Final Redemption / Current Value, then click Calculate XIRR.

XIRR Calculator Guide – Meaning, Full Form, Formula, SIP & Mutual Fund Returns

If you searched “xirr means”, “xirr full form”, “xirr meaning in finance”, “xirr calculator”, “xirr example”, “xirr in mutual fund”, “xirr vs cagr” or “xirr vs irr” — this guide explains it clearly and shows exactly how to use this calculator.

Real-world tip: XIRR is best when you have multiple dates (SIP, top-ups, partial redemptions). CAGR is best for one lumpsum start and one end value.

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How to Use This XIRR Calculator (Step-by-step)

Practical guide

This calculator is designed to avoid the most common confusion: “Where do I enter the current value?” You enter it separately as Final Redemption / Current Value.

Step 1: In the table, click Add Transaction and enter your cash flow Date.
Step 2: Select the Type:
- Investment = money you paid/added (SIP, lumpsum, top-up).
- Interim Withdrawal = partial redemption / money you took out.
Step 3: Enter the Amount as a normal positive number. The calculator automatically applies correct signs internally.
Step 4 (Required): In Final Redemption / Current Value, enter:
- Final Date (must be the last date, on/after your latest transaction).
- Final Amount (current portfolio value or final redemption amount).
Step 5: Click Calculate XIRR. You’ll see XIRR (annualized return), Gross Invested, Interim Withdrawals, Net Invested, Final Value, Total Returns, and Net Gain/Loss.

Important rules (to avoid errors):
• Keep at least one Investment row in the table.
• Final date must be on or after the latest table date and not in the future.
• Final amount must be > 0 (current value/redemption).

No confusion: Table = transactions, Final box = ending value Best for: SIP, mutual funds, portfolio XIRR

Import CSV / Export CSV (How it works)

CSV import is client-side only (no server upload). Import fills the table transactions only. You still need to enter the Final Redemption / Current Value manually.

Supported CSV formats:
- Format A: Date,Amount
- Format B: Date,Type,Amount (Type = investment/withdrawal)
Date format must be: YYYY-MM-DD
Typical SIP export tip: If you use Format A, investments can be negative and withdrawals positive. If you use Format B, the calculator will enforce the sign based on Type.
After import: Set the final date and final value in the Final box, then calculate.

Format A: 2025-01-10,-10000 2025-02-10,-10000Format B: 2025-01-10,investment,10000 2025-02-10,investment,10000 2025-08-01,withdrawal,2500

Why final value is separate: Many users mistakenly add “current value” into the table with mixed signs. Keeping it separate makes results consistent and easier to understand.

XIRR Meaning & Full Form

Most searched

XIRR = Extended Internal Rate of Return (also called “annualized return” for multiple cash flows).

Explains XIRR meaning in finance: it is the yearly growth rate that matches your real cash-flow dates.
Best for SIP XIRR, mutual fund XIRR, and overall portfolio XIRR.

Quick idea: CAGR assumes one start + one end value. XIRR uses every transaction date (real-world).

What does XIRR mean in Mutual Funds?

Mutual funds typically have many dates (SIP, top-ups, switches, redemptions), so XIRR gives the most realistic annualized return.

SIP: many installments → XIRR is the right method.
Lumpsum only: CAGR and XIRR will be similar.
Partial redemption: add the redemption date as an Interim Withdrawal to keep XIRR accurate.

MF: XIRR = annualized return using all dates Best practice: Use exact transaction dates

XIRR Calculator (What you must enter)

This calculator uses a confusion-free layout: transactions go in the table, and Final Redemption / Current Value is entered separately.

Where	Date	Type	Amount (₹)
Table	2025-01-10	Investment	10,000
Table	2025-02-10	Investment	10,000
Table	2025-06-15	Interim Withdrawal	2,500
Final Box	Today	Final Redemption / Current Value	22,500

Rule: You must have at least one Investment in the table, and one positive cash flow (the Final Value).
Good to know: You can type positive amounts; the calculator auto-handles signs internally.

XIRR Example (SIP / Mutual Fund)

A practical example makes XIRR easy. Suppose you did two SIP installments and today your current value is higher.

Date	What happened	Where to enter
2025-01-10	SIP installment ₹10,000	Table → Investment
2025-02-10	SIP installment ₹10,000	Table → Investment
Today	Current value ₹22,500	Final Box → Final Value

What you’ll get: XIRR (annualized return) + a clear breakdown (Gross Invested, Net Invested, Final Value, Total Returns). If you check tomorrow and NAV changes, XIRR may change slightly — that’s normal for ongoing investments.

XIRR Calculator for SIP

Add each SIP installment as its own transaction (Investment). If you redeemed some amount, add it as Interim Withdrawal. Add today’s value in the Final box.

Use exact transaction dates (best), or the SIP day each month (good).
Include top-ups and missed months for a true SIP XIRR.
Ongoing SIP? XIRR updates as your portfolio value changes.

XIRR vs CAGR

Both are annualized returns, but they fit different cash-flow patterns.

CAGR: best for one lumpsum (single start + single end).
XIRR: best for multiple buys/sells on different dates (SIP/portfolio/mutual fund).
Single buy only? XIRR ≈ CAGR.

Absolute Return vs XIRR

Absolute return is total gain %, XIRR is yearly gain % considering time.

Absolute: (Gain ÷ Invested) × 100 XIRR: annualized return using dates

Why it matters: 20% in 1 year ≠ 20% in 5 years. XIRR separates them.

XIRR vs IRR

Same concept, different date assumptions.

IRR: assumes equal intervals (e.g., exactly monthly).
XIRR: supports any dates (real world investing).
For mutual funds/portfolios, XIRR is usually the correct choice.

XIRR Formula (Concept)

XIRR is the rate r that makes NPV equal to zero:

NPV(r) = Σ [ CF_i / (1 + r)^( (Date_i - Date_0) / 365 ) ] = 0

Meaning: Each cash flow is discounted based on the exact day gap.

XIRR Formula in Mutual Fund (Simple understanding)

Mutual fund XIRR uses the same formula, but your cash flows come from SIP dates, top-ups and redemptions.

Cash flow (CF): SIP/top-up = Investment, redemption = Withdrawal, current value = Final Value.
Dates: must be the real transaction dates for the most accurate XIRR.
Interpretation: the output is annualized return considering when money actually went in/out.

Practical shortcut: If you can’t find every SIP date, use the SIP day each month. Accuracy improves with real dates.

How to calculate XIRR manually

There’s no simple closed-form; it’s found by trial-and-error (Excel does this automatically).

Pick a guess rate (e.g., 12%), compute NPV.
NPV positive → increase rate; NPV negative → decrease rate.
Repeat until NPV is close to zero.

Reality: Good calculators use numerical methods (Newton-Raphson / bisection) to find the XIRR rate.

XIRR Calculator in Excel / Google Sheets

Put cash flows in one column and dates in another, then use:

Excel: =XIRR(amounts_range, dates_range)
Sheets: =XIRR(amounts_range, dates_range)
Optional guess: =XIRR(amounts_range, dates_range, 0.12)

Dates must be real date values (not text).
Investments negative, redemptions/current value positive.

What is a good XIRR?

“Good” depends on horizon, risk and benchmark—not just the number.

Compare to a relevant benchmark over the same period.
Short time periods can show extreme XIRR; focus on longer periods.
Use XIRR along with drawdowns/volatility for better decisions.

Simple check: Compare your mutual fund XIRR with the fund category average or index over the same timeframe.

Quick Troubleshooting (Most common issues)

No result / error: You likely missed the Final Redemption / Current Value (it’s required).
Investment required: Ensure at least one table row is Investment.
Final date must be last: Final date must be on/after the latest transaction date in the table.
Wrong-looking return: Dates may be incorrect, or an interim withdrawal is missing from the table.
Extreme XIRR: Very short holding period, or one huge cash flow dominates results.

How to Use (Steps) Cashflow Example Back to Top

Disclaimer: Educational content only. Returns depend on market risk and timing.