XIRR calculator, find the real yearly return on your SIP.
Calculate annualized returns for SIPs and investments with date-wise cash flows.
Your XIRR
59.35%a year
- Invested (36 instalments)
- ₹3.60 Lakhs
- Absolute return
- 122.2%
Where it stands, money in and money now.
- Total invested
- ₹3,60,000
- Value today
- ₹8,00,000
- Gain
- +₹4,40,000
Explore other calculators, for every money decision.
What is XIRR?
XIRR stands for Extended Internal Rate of Return. It calculates the annualized return of investments where multiple cash flows happen on different dates.
For example, if you invest ₹10,000 every month through SIP and after 3 years your investment value becomes ₹8,00,000, XIRR helps you understand the yearly return after considering every investment date — not just the total gain.
Why is XIRR important?
Most real-life investments do not happen in one transaction. You may invest through:
- Monthly or 14-day SIPs
- Quarterly, half-yearly, or yearly investments
- Lump sum investments
- Partial withdrawals or redemptions
When money goes in or comes out on different dates, XIRR gives a better return picture than simple absolute return. Earning ₹1 lakh on ₹5 lakh over 1 year is very different from earning ₹1 lakh over 5 years.
XIRR vs absolute return
| Metric | What it shows |
|---|---|
| Absolute Return | Total gain or loss on investment |
| XIRR | Annualized return based on date-wise cash flows |
If you invested ₹3,60,000 and your maturity value is ₹8,00,000, estimated returns are ₹4,40,000 — that is the absolute return. XIRR goes further and tells you the yearly rate of return after considering that ₹3,60,000 was invested gradually over time.
When should you use XIRR?
Use XIRR when your investment has multiple transactions on different dates, such as:
- SIP and mutual fund investments
- Recurring or irregular investments
- Investments with withdrawals
- Goal-based investment tracking
- Portfolio performance calculation
How to read your XIRR result
- A higher XIRR means a stronger annualized growth rate.
- A positive XIRR means value exceeds invested amount after considering timing.
- A negative XIRR means value is lower than invested amount on an annualized basis.
XIRR should be seen alongside investment duration, risk level, market conditions, and your financial goal. It shows past performance based on entered cash flows — it does not guarantee future returns.
XIRR calculator formulae
- Total Investments = Number of installments between start and maturity dates
- Total Invested = Recurring Investment Amount × Total Investments
- Estimated Returns = Maturity Value − Total Invested
- Absolute Return % = (Estimated Returns ÷ Total Invested) × 100
For XIRR, each investment is a negative cash flow and maturity/current value is a positive cash flow. XIRR is the rate where the present value of all cash flows equals zero:
Σ [ CFi ÷ (1 + r)((Datei − Date0) ÷ 365) ] = 0
Final output: XIRR % = r × 100
Illustrative only. XIRR assumes each instalment was invested on schedule from the first date and values the investment on the second date. Past performance does not guarantee future results. Zomint's director, Shavir Bansal, is an AMFI-Registered Mutual Fund Distributor (ARN-321107).© 2026 Zomint Tech Pvt Ltd. All rights reserved.