Calculate your portfolio's true annualized returns (XIRR) accounting for the timing of investments. Same formula as Excel's XIRR function.
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Your XIRR
6.34%
Annualized Return
Total Investment
₹2,00,000
(Net Cash Outflow)
Current Value
₹2,10,000
(Latest Portfolio Value)
Overall Gain
₹10,000
(5.00%)
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).
Enter the date and amount for each investment (use negative numbers)
Add the current value of your investment as the last cash flow (positive number)
Click "Calculate XIRR" to get your annualized return
StockIQ automatically calculates XIRR for every stock and your entire portfolio. No manual entry needed!
Unlike simple returns, XIRR considers when you invested, giving accurate annualized returns
Same as Excel's XIRR function, used by professional fund managers worldwide
Shows your average yearly return percentage for easy comparison
The most precise way to measure investment performance with irregular cash flows
Example Scenario:
Simple Return
5%
Ignores timing ✗
XIRR
~8%
Accounts timing ✓
SIP Returns
Monthly systematic investment plans
Mutual Funds
Irregular investments & withdrawals
Stock Portfolio
Multiple buy/sell transactions
Real Estate
Property + renovation costs
For SIPs and regular investments, XIRR gives you the true annualized return by considering the timing of each investment.
Source: Microsoft Support | Last reviewed: 2026-02-28
Source: SEBI Investor Portal | Last reviewed: 2026-02-28