XIRR Calculator
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.
How to Use
Step-by-step guide to get the most from this tool
- 1
Add your transactions
Enter each investment (negative) and redemption (positive) with its date.
- 2
Use sample data or customize
Start with the sample SIP pattern or clear and add your own cash flows.
- 3
Review XIRR
See annualized return percentage, total invested, returned, and absolute gain.
- 4
Add more transactions
Click Add transaction for additional SIP installments or partial redemptions.
Features
What makes this tool stand out
Irregular dates
Handle any investment and redemption schedule.
Mutual fund ready
Perfect for SIP + lumpsum portfolios.
Add transactions
Unlimited cash flow rows.
Newton-Raphson
Same algorithm as Excel XIRR.
Gain summary
Total invested, returned, and absolute gain.
Free
No signup or data upload required.
Related Tools
More free utilities you might find useful
Frequently Asked Questions
Quick answers to common questions
What is XIRR?+
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.
How is XIRR different from CAGR?+
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.
How do I enter cash flows?+
Enter negative amounts for investments (money out) and positive amounts for returns or redemptions (money in). Each row needs a date and amount.
What is a good XIRR for mutual funds?+
Equity funds: 12–15% long-term XIRR is good. Debt funds: 7–9%. Hybrid funds: 9–11%. Past XIRR does not guarantee future returns.
Why is my XIRR negative?+
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.
Can XIRR be calculated in Excel?+
Yes. Use =XIRR(values, dates) in Excel or Google Sheets. Our calculator uses the same Newton-Raphson method for accuracy.
How many transactions do I need?+
At minimum, you need one investment (negative) and one return (positive) with different dates. More data points give more accurate XIRR.
Is XIRR the same as annualized return?+
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.