Selvayana: XIRR calculatorEducational estimate, not investment advice. Selvayana is not registered with SEBI as an Investment Adviser or Research Analyst. Figures use the assumptions shown and are not predictions.
Your entries are saved on this device automatically.
Detailed breakdown
XIRR calculator: a quick guide
What is XIRR?
XIRR is the yearly return on a series of investments and withdrawals made on different dates, such as SIP instalments, top-ups and partial redemptions. Mutual fund statements commonly report returns this way.
How this calculator works it out
It finds the single yearly rate at which the value of all your cash flows, each discounted by the actual number of days from the first one (on a 365-day year), adds up to zero.
An example
You invest ₹1 lakh on 1 January 2024 and another ₹1 lakh on 1 January 2025. On 1 January 2026 the investment is worth ₹2.3 lakh. Your XIRR is about 9.7% a year, even though the total gain is 15%, because the second ₹1 lakh was invested for only one year.
Good to know
Enter money you put in as investments and money you take out, or the current value, as withdrawals.
For a single investment with no other cash flows, XIRR and CAGR give the same answer.
How it's calculated
XIRR finds the single annual rate that makes the present value of all your investments, withdrawals and current value add up to zero, using the exact number of days between each date.
Common questions
Why not use CAGR?
CAGR works for one investment and one final value. When you invest different amounts on different dates, as with SIPs or top-ups, XIRR gives the accurate annual return.
Where do I find the dates and amounts?
Your mutual fund account statement or the consolidated account statement from CAMS or KFintech lists every transaction.
For awareness only. Not investment advice or a recommendation to buy, sell or hold any security or product. All figures are estimates based on the inputs and assumptions shown; actual results will differ and may be much lower. No return is guaranteed. Investments in securities market are subject to market risks. Read all related documents carefully before investing. Consult a SEBI Registered Investment Adviser before acting. Printed from Selvayana on .