Calculate XIRR for irregular mutual fund cash flows. Enter investments and redemptions with dates to get annualized returns. Free XIRR calculator.
Enter cash flows with negative amounts for investments and positive for returns/redemptions. XIRR accounts for irregular timing between transactions.
Step-by-step guide to get the most from this tool
Enter each investment (negative) and redemption (positive) with its date.
Start with the sample SIP pattern or clear and add your own cash flows.
See annualized return percentage, total invested, returned, and absolute gain.
Click Add transaction for additional SIP installments or partial redemptions.
What makes this tool stand out
Handle any investment and redemption schedule.
Perfect for SIP + lumpsum portfolios.
Unlimited cash flow rows.
Same algorithm as Excel XIRR.
Total invested, returned, and absolute gain.
No signup or data upload required.
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Quick answers to common questions
XIRR (Extended Internal Rate of Return) calculates the annualized return on investments with irregular cash flows at different dates. It is the standard metric for mutual fund returns with SIPs.
CAGR works for single lumpsum investments with fixed start and end dates. XIRR handles multiple investments and withdrawals at different times, making it ideal for SIP portfolios.
Enter negative amounts for investments (money out) and positive amounts for returns or redemptions (money in). Each row needs a date and amount.
Equity funds: 12–15% long-term XIRR is good. Debt funds: 7–9%. Hybrid funds: 9–11%. Past XIRR does not guarantee future returns.
Negative XIRR means your total returns are less than total investments — you have an overall loss. This can happen with recent market downturns or early redemptions.
Yes. Use =XIRR(values, dates) in Excel or Google Sheets. Our calculator uses the same Newton-Raphson method for accuracy.
At minimum, you need one investment (negative) and one return (positive) with different dates. More data points give more accurate XIRR.
XIRR is a type of annualized return that accounts for the timing of each cash flow. A simple annualized return divides total gain by years, ignoring when money was invested.
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