XIRR Calculator

The Extended Internal Rate of Return (XIRR) finds the real annualised return on investments that have cash flows that aren't always the same, like when you make multiple investments or withdrawals at different times and amounts. 

This is like when you miss payments, make top-ups, or partially redeem SIPs in real life. It is important because CAGR assumes that all investments and redemptions happen at the same time, which isn't how SIPs work in real life, where each instalment earns returns for different amounts of time. 

XIRR looks at the exact date and size of each transaction to give you a personalised annualised return. This is important for accurately comparing mutual funds when your investment pattern isn't textbook-perfect. For instance, if you put ₹10,000 in in January 2023, ₹15,000 in February 2023, and then took out ₹50,000 in July 2025, you might get a 12.5% XIRR. 

Simple averages can be misleading. Investors use it to compare their actual portfolio performance to benchmarks, make smart changes, and see if their staggered investments really did grow as promised.

What does the XIRR Calculator do?

An XIRR Calculator finds the Extended Internal Rate of Return for investments that have cash flows that aren't always the same, like SIPs that miss payments, get extra top-ups, or get paid back in full at different times. It gives you a single annualised return percentage that takes into account when each transaction took place, which simple averages don't do.Why do you need a calculator for XIRR?

SIP returns get complicated when you make or take out money at different times. CAGR works for one lump sum but not for multiple timed transactions over the course of years.XIRR shows you the real annualised growth rate of your actual investment pattern, which helps you compare fund performance more accurately when your cash flows aren't the same.What is the XIRR Calculator?

The XIRR (Extended Internal Rate of Return) calculator finds the one discount rate that makes all of your cash inflows and outflows (with specific dates) add up to zero in the present.Perfect for mutual funds, stocks, or personal portfolios where you put in different amounts of money on different days and take some out over time.

How does the XIRR Calculator help you?

It shows the real annualised performance of your portfolio, even if the timing isn't always right. This lets you compare funds and track their performance against benchmarks more easily.

Formula:  

CFt        

∑(1+XIRR)(dt−d0)/365

How to use the Stockify XIRR Calculator

Follow these steps to calculate:

Step 1: Type in the date of your first transaction.

Step 2: Choose how often you want to do it (every two weeks, every month, every three months, every six months, or every year) or enter your own dates.

Step 3: Enter the amount of money invested and the date it was invested (negative values).

Step 4: Include the maturity date and the final redemption amount (a positive value).

Step 5: Click "Calculate" to see your XIRR percentage right away.

Advantages of Stockify's XIRR Calculator

Some of the benefits you can find calculating XIRR’s include:

• Unlike simple CAGR tools, it can handle cash flows that aren't regular, like missed SIPs, top-ups, and redemptions.

• Gives an annualised return so you can easily compare your portfolio from year to year.Looks at the exact timing of the transaction using time-value-of-money rules.

• Quick Excel-like calculations, no need for complicated spreadsheets.