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XIRR Calculator

Money-weighted annualized return for irregular cash flows (SIPs, top-ups, withdrawals). Educational estimates only — not financial advice. Capitallytics does not execute transactions.

Cash flows

Negative amounts are money you invested. Positive amounts are withdrawals or the holding's current value. Dates should match when cash actually moved. The starting example is three ₹10,000 investments and a ₹38,000 ending value.

DateAmount

4 cash flows ready.

How XIRR is calculated

XIRR is the annualized money-weighted rate of return that sets the net present value of dated cash flows to zero. Capitallytics uses the same solver as portfolio performance (Newton / bisection on day-count years).

Use negative amounts for investments (cash leaving your pocket) and positive amounts for withdrawals or today's market value. XIRR is not CAGR: CAGR assumes a single lump sum with no intermediate flows.

Results are educational estimates. Wrong dates or missing SIPs will change the rate. This is not a forecast and not personalized advice.

XIRR Calculator FAQ

Straight answers about this free educational calculator.

What is XIRR?+

XIRR is the annualized money-weighted rate of return for cash flows that happen on different dates. It is the rate that sets the net present value of those flows to zero.

How is XIRR different from CAGR?+

CAGR assumes one starting amount and one ending amount with no deposits or withdrawals in between. XIRR handles SIPs, top-ups, and redemptions. Use CAGR only for a lump sum held without extra flows.

Is this XIRR a forecast or advice?+

No. It is an educational calculation from the dates and amounts you enter. Wrong dates or missing SIPs will change the result. Capitallytics does not execute trades.

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