XIRR
XIRR Calculator
Estimate the annualised return of a regular monthly SIP from the amount you invested and the value you have now.
What XIRR measures
XIRR (extended internal rate of return) is the annual rate that sets the present value of all contributions and the final value to zero. Mutual-fund statements in India often show XIRR for SIPs.
Limitations
Missed installments, STPs, dividends and taxes are ignored. The solver uses Newton-Raphson in your browser; it does not call a fund house.
XIRR
Σ CFᵢ / (1 + r)^tᵢ = 0
Each cash flow CFᵢ occurs at time tᵢ in years. r is the annual rate that makes the present values sum to zero. This calculator solves r with Newton-Raphson.
Frequently asked questions
Why not just use CAGR?
CAGR looks at one starting value and one ending value. A SIP has many cash flows. XIRR is the rate that makes those dated cash flows net to zero.
Does this use my actual SIP dates?
This version models equal monthly installments from month zero through the last month, then one inflow equal to the final value. Irregular skips need a cash-flow spreadsheet.
Can XIRR be negative?
Yes, if the ending value is below what you put in, after timing is considered. Very extreme values can fail to solve; check the final value if you see an error.
Related calculators
- CAGR CalculatorMeasure the compounded annual growth rate between a starting and ending value.
- SIP CalculatorEstimate the future value of monthly systematic investments, with an optional annual step-up.
- Mutual Fund CalculatorMeasure absolute gain and CAGR from the amount invested and the current fund value.
- Lumpsum CalculatorProject the growth of a one-time investment at an expected annual return.
Browse the full directory on the calculators page.
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SmartCalculators provides educational calculators and estimates. Results are for informational purposes only and should not be considered financial, tax, investment, legal or professional advice.