Return Analysis
XIRR Calculator
Calculate true XIRR for SIP portfolios with multiple cash flows. Enter dates and amounts — our engine computes your exact annualized return. Free India tool.
Cash Flows
Negative = investment (outflow) · Positive = redemption (inflow)
Pre-filled with a 5-month SIP of ₹5,000 + redemption of ₹31,200
XIRR
138.43%
Annualized return
Total Invested
₹25,000
Total Returned
₹31,200
Net Gain / Loss
₹6,200
Profit
Cash Flow Timeline
Get this calculated on your actual portfolio
This tool requires manual data entry. Upload your CAS statement to FundSageAI and get true XIRR calculated automatically for every fund in your portfolio.
What is XIRR Calculator?
XIRR (Extended Internal Rate of Return) is the most accurate return metric for SIP investors. Unlike CAGR (which assumes a single lumpsum investment), XIRR accounts for each SIP installment invested at different points in time, giving each installment its correct individual holding period. SEBI mandates that XIRR be used by mutual fund distributors when reporting portfolio returns to investors. A key insight: two investors in the same mutual fund but with different SIP start dates will have different XIRR values — because each installment's return depends on when it was invested relative to market movements.
How to use this tool
Add cash flow rows: Enter each SIP date and amount as a negative number (e.g., -5000 for a ₹5,000 investment).
Add current portfolio value: On today's date, enter the current value of your investment as a positive number (this is the 'redemption').
Remove or add rows as needed using the + and - buttons.
The calculator runs Newton-Raphson XIRR computation and displays your annualized return.
The Formula
XIRR solves for rate r such that: NPV = Σ [CF_t / (1 + r)^(t)] = 0 Where CF_t = cash flow at time t (years from first date) Negative = outflow (investment), Positive = inflow (redemption/current value) Solved iteratively using Newton-Raphson method.
Key Terms
- XIRR
- Extended Internal Rate of Return — an annualized return metric that accounts for irregular cash flows at different dates, making it ideal for SIP investors.
- Cash Flow
- Any transfer of money in or out of an investment. Negative cash flows are investments (money going out), positive cash flows are redemptions or current value.
- Newton-Raphson Method
- An iterative numerical method for finding roots of equations. XIRR uses it to find the rate 'r' that makes the Net Present Value of all cash flows equal to zero.
- NPV
- Net Present Value — the sum of all future cash flows discounted back to present value at a given rate. XIRR finds the rate where NPV = 0.
Key Benefits
- ✓Most accurate return metric for SIP investors — accounts for irregular cash flows over time.
- ✓Used by SEBI-mandated reporting, AMFI guidelines, and all major fund platforms.
- ✓Handles irregular investments, lumpsum top-ups, partial redemptions, and dividends.
- ✓Pre-filled with a 6-month SIP example so you can immediately see how it works.
Practical Example
5 monthly SIP installments of ₹5,000 each Plus current portfolio value of ₹31,200 Cash flows: -₹5,000 (Month 0) -₹5,000 (Month 1) -₹5,000 (Month 2) -₹5,000 (Month 3) -₹5,000 (Month 4) +₹31,200 (Month 5 — current value) XIRR ≈ 44% p.a. (high due to short period — XIRR is most meaningful over 3+ years)
FundSageAI Dashboard
Do more with your real portfolio data
- 1True XIRR from actual CAS transaction history
- 2Fund-level XIRR vs benchmark comparison
- 3Portfolio XIRR across all AMCs and funds
Related Reading
Common Questions
Frequently Asked Questions
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These calculators use assumptions.
Your portfolio uses facts.
Upload your CAMS or KFintech CAS statement to get real XIRR, true corpus values, actual fund overlap, and personalised insights — all pre-filled with your data.