XIRR Calculator forIndian Investors
Calculate your portfolio's true annualized returns (XIRR) accounting for the timing of investments. Same formula as Excel's XIRR function.
Direct answer
xirr calculator india
Use this XIRR calculator to compute your annualized return from irregular investments and redemptions. Enter each investment as negative cash flow and your latest portfolio value as positive cash flow to get a realistic return percentage.
What is xirr calculator india?
XIRR (extended internal rate of return) is an annualized return metric for investments with cash flows on different dates. Unlike simple return or CAGR, XIRR adjusts for timing gaps between entries and exits, making it the preferred method for SIP, mutual fund, and multi-transaction portfolio performance analysis.
Definition length: 47 words.
Enter Your Cash Flows
What is XIRR?
XIRR (Extended Internal Rate of Return) is the most accurate way to calculate investment returns when you have irregular cash flows (investments and withdrawals at different times).
Accounts for timing: Unlike simple returns, XIRR considers when you invested
Annualized return: Shows your average yearly return percentage
Industry standard: Same as Excel's XIRR function
How to Use
- 1.Enter the date and amount for each investment (use negative numbers)
- 2.Add the current value of your investment as the last cash flow (positive number)
- 3.Click "Calculate XIRR" to get your annualized return
Master XIRR for Investment Tracking
Calculate your true investment returns accounting for timing and irregular cash flows
Accounts for Timing
Unlike simple returns, XIRR considers when you invested, giving accurate annualized returns
Industry Standard
Same as Excel's XIRR function, used by professional fund managers worldwide
Annualized Return
Shows your average yearly return percentage for easy comparison
Why XIRR Beats Simple Returns
Example Scenario:
Simple Return
5%
Ignores timing ❌
XIRR
~8%
Accounts timing ✓
When to Use XIRR
SIP Returns
Monthly systematic investment plans
Mutual Funds
Irregular investments & withdrawals
Stock Portfolio
Multiple buy/sell transactions
Real Estate
Property + renovation costs
XIRR vs CAGR: Key Difference
CAGR
Single lump-sum investment
No intermediate cash flows
Fixed time period
Best for: One-time investments
XIRR
Multiple investments/withdrawals
Irregular intervals
Accounts for timing
Best for: SIPs & regular investing ⭐
Next steps and related workflows
Track real portfolio XIRR continuously
Stop manual cash-flow entry. Sync holdings and monitor XIRR across your portfolio in StockIQ.
Sources and references
- XIRR function reference
Source: Microsoft Support | Last reviewed: 2026-02-28
- Investor education resources
Source: SEBI Investor Portal | Last reviewed: 2026-02-28
How to use the XIRR Calculator
Follow these steps to calculate annualized return for irregular cash flows.
- 1
Add every investment cash flow
Enter each investment date and amount as a negative cash flow.
- 2
Add your latest portfolio value
Enter current portfolio value as the final positive cash flow.
- 3
Run the calculation
Click calculate to get annualized XIRR return based on timing.
XIRR Calculator FAQs
Answers to common questions for this calculator.
What is XIRR and why is it better than simple return?
XIRR measures annualized return by considering the timing of each cash flow. It gives a more accurate result than simple return when investments happen on different dates.
Can I use this XIRR calculator for SIP investments?
Yes. SIPs are periodic cash flows, so XIRR is the correct method to evaluate their true annualized performance.
What should be entered as the final positive cash flow?
Use your current portfolio value or redemption value as the final positive cash flow to calculate the return on all earlier investments.
Source URL: https://mystockiq.in/calculators/xirr/