XIRR Calculator
Investment Frequency
Wealth Projection
Enter valid dates and amounts to see projection.
XIRR Calculator
The XIRR Calculator estimates the annualized return of your investments when money is added on a schedule—such as SIP installments every fortnight, month, quarter, half-year, or year.
Enter start date, frequency, recurring amount, maturity date, and maturity amount to see XIRR, total invested, and wealth projection. XIRR is the go-to metric when cash flows are not a single lump sum.
What is XIRR?
XIRR stands for Extended Internal Rate of Return. It finds the rate that makes the net present value of all cash flows equal to zero, considering when each investment happened.
Unlike simple returns, XIRR gives a time-weighted annualized view that is easier to compare across different investment periods and contribution schedules.
What is an XIRR Calculator?
This free calculator builds dated cash flows from your recurring investments (by frequency and dates), then uses the maturity amount to compute XIRR. It also shows total invested, absolute gain, and a wealth projection chart. You need:
- Investment Frequency – 14 Days, Monthly, Quarterly, Half Yearly, or Yearly.
- Start Date & Maturity Date – When SIP began and when you measure current value.
- Recurring Investment Amount – Each installment size.
- Total Maturity Amount – Current portfolio or redemption value.
How Can an XIRR Calculator Help You?
An XIRR Calculator gives SIP and recurring investors a true annualized return that accounts for when each rupee was invested.
- SIP-friendly returns – Accounts for monthly or periodic contributions over time.
- Portfolio review – Judge whether your mutual fund or mixed portfolio is on track.
- Fund comparison – Compare schemes with different start dates and installment sizes.
- Scenario testing – Change maturity value or dates to see how XIRR shifts.
- Time-saving – Avoid spreadsheet XIRR formulas and get results instantly.
How to Use the XIRR Calculator?
You can estimate XIRR on Money Calculator Hub in a few steps.
- Choose your Investment Frequency.
- Select Start Date and Maturity Date.
- Enter Recurring Investment Amount.
- Enter Total Maturity Amount.
- Review Your XIRR, gain metrics, and wealth projection chart below.
How is XIRR Calculated?
XIRR is the rate r that satisfies:
Where:
- CF_i = Cash flow at time i (investments negative, final value positive)
- t_i = Time in years from the start
- r = XIRR (annualized rate)
The calculator solves for r numerically from your investment schedule and final value.
Advantages of Using an XIRR Calculator?
XIRR is the standard metric for evaluating SIP and irregular investment returns in mutual funds and portfolios.
- Quick & easy estimates – Instant annualized return from dated cash flows.
- Better financial planning – Benchmark SIP performance against your target rate.
- Clear gain breakdown – See rupee gain and XIRR percentage together.
- Informed decision making – Compare funds on equal annualized footing.
- Wealth projection chart – Visualize invested vs gained over time.
XIRR vs CAGR – Which Should You Use?
| Feature | XIRR | CAGR |
|---|---|---|
| Cash flows | Handles multiple investments at different dates | Assumes one starting amount and one ending value |
| Best for | SIPs, STP, top-ups, and irregular contributions | Lump-sum investments held over multiple years |
| Timing effect | Weights each installment by when it was invested | Ignores intermediate cash flows entirely |
| Example use | ₹5,000/month SIP for 3 years with current value | ₹1,80,000 lump sum → ₹2,50,000 after 3 years |