Free XIRR Calculator | Unit Converters
Cash Flows
Total Invested
₹15,000
Total Returned
₹18,000
XIRR
23.45%
Annualized return
How It Works
Add Cash Flows
Enter dates and amounts (negative for investments)
Calculate XIRR
Get annualized return rate
What is XIRR Calculator?
What
XIRR calculator helps you find the annualized return rate for investments with irregular cash flows and different dates.
Why
Used for analyzing SIP returns, mutual fund performance, and comparing different investment options with varying cash flows.
Applications
SIP analysis, portfolio performance, investment comparison, mutual fund returns, and irregular investment tracking.
Common Examples
SIP Investment Example
Lumpsum Investment Example
XIRR Calculation Table
| Investment Amount | Time Period | Final Value | XIRR (%) |
|---|---|---|---|
| ₹10,000 | 1 Year | ₹11,200 | 12.0% |
| ₹25,000 | 2 Years | ₹31,250 | 12.5% |
| ₹50,000 | 3 Years | ₹70,000 | 11.9% |
| ₹1,00,000 | 5 Years | ₹1,80,000 | 12.5% |
Frequently Asked Questions
What is XIRR?
XIRR (Extended Internal Rate of Return) calculates the annualized return rate for investments with irregular cash flows and different dates.
How to enter cash flows?
Enter negative amounts for investments (money going out) and positive amounts for returns (money coming in). Include exact dates for accurate calculation.
When to use XIRR?
Use XIRR when you have irregular investment amounts and dates, like SIP investments, lumpsum investments at different times, or mixed investment patterns.
What is a good XIRR rate?
A XIRR of 12-15% is considered good for equity investments, while 8-10% is reasonable for debt investments. Higher rates indicate better performance.
XIRR vs IRR difference?
IRR assumes regular cash flows at equal intervals, while XIRR handles irregular cash flows with specific dates, making it more accurate for real investments.
Can XIRR be negative?
Yes, XIRR can be negative if your investment has lost money. A negative XIRR indicates that your returns are less than your investments.