Know your real returns
XIRR reveals the true return on irregular investments like SIPs. Accumen Wealth can help you track your portfolio's actual performance and invest for better long-term outcomes.
Calculate the true annualised return on investments made at different dates — perfect for SIPs, staggered investments, and irregular cash flows.
XIRR reveals the true return on irregular investments like SIPs. Accumen Wealth can help you track your portfolio's actual performance and invest for better long-term outcomes.
Investment performance is not only about how much your money has evolved in total. What matters more is understanding the return when investments and withdrawals happen on different dates.
Accumen Wealth’s XIRR Calculator helps you estimate the annualized return of investments with multiple cash flows, such as SIPs, partial withdrawals, additional investments, or irregular contributions.
It gives you a clearer view of your actual investment return, so you can evaluate portfolio performance, compare investment options, and make financial decisions with better clarity, confidence, and discipline.
XIRR stands for Extended Internal Rate of Return. It shows the annualized return of an investment when cash flows happen on different dates.
XIRR helps you understand the actual return from investments where money is invested or withdrawn at different times, instead of only at the beginning and end of the investment period.
It is commonly used to review the performance of SIPs, mutual funds, portfolios, irregular investments, partial withdrawals, and goal based investments.
Your XIRR depends mainly on the amount invested, the date of each investment, any withdrawals made, the final investment value, and the overall time period.
Understanding XIRR helps you evaluate investment performance more accurately when there are multiple transactions, making it useful for comparing real portfolio returns with better clarity.
XIRR is important because it helps you analyse out the annualized return of investments where cash flows happen on different dates. Regular CAGR may not show the correct picture when you invest through SIPs, make additional investments, or withdraw money during the investment period.
XIRR can help you:
An XIRR Calculator helps you analyse the annualized return of investments where cash flows happen on different dates. It brings investment amounts, transaction dates, withdrawals, and current or final investment value together in one place, so you can understand your actual investment return more clearly.
It can help answer questions such as:
Investment 1
₹10,000 on 1 January 2023
Investment 2
₹10,000 on 1 February 2023
Investment 3
₹10,000 on 1 March 2023
Final Value
₹36,000 on 31 December 2023
Estimated XIRR: Based on the exact dates and cash flows entered This helps you understand the actual annualized return of investments such as SIPs, mutual funds, portfolios, irregular investments, and withdrawals with better clarity.
Start with your earliest investment. Enter the date you invested, the amount, and set the type to "Invested." Each transaction is a single row, so you can build up your full investment history line by line.
1
For every additional amount you invested, whether a lump sum or each instalment of a SIP, click "Add Transaction" and enter its date and amount, keeping the type as "Invested." These are the amounts that went out of your pocket.
2
Add a final row for the money you got back, either the current value of your investment or the amount you withdrew. Enter its date and amount, and set the type to "Received." This is the value that came back to you.
3
Make sure every row is tagged correctly, "Invested" for money you put in (shown in red) and "Received" for money you got back (shown in green). The calculator needs at least one of each to compute your return.
4
The calculator instantly displays your XIRR in the centre gauge. This is the true annualised return on your investments, accounting for the exact dates and amounts of every cash flow, which is why it is more accurate than a simple return figure for staggered investments.
5
Review the supporting numbers, total Invested, total Received, net gain, and overall return. Together these show how much you put in, how much you got back, your absolute profit, and the total percentage growth across the whole period.
6
The timeline graph plots each transaction by date, red bars below the line for money invested, green bars above for money received. This gives you a clear visual of when money went in and came out, helping you see how the timing of each investment shaped your overall return.
7
Use your XIRR to judge the real performance of SIPs and irregular investments, compare it against other investment options on an equal footing, and check whether your portfolio is meeting your return expectations.
8
It helps you estimate the annualized return of investments where cash flows happen on different dates.
You can use the calculator to review the actual return from SIPs, mutual funds, portfolios, and goal based investments.
The calculator considers different investment amounts, transaction dates, withdrawals, and final value to give a more realistic return estimate.
XIRR helps you understand investment performance based on the timing and amount of each cash flow, instead of looking only at total returns.
It helps you review whether your portfolio is performing in line with your expectations and long term financial goals.
You can use the result to compare different investments, funds, portfolios, or strategies with better clarity.
It helps you evaluate whether to continue, increase, review, rebalance, or change your investment strategy based on actual annualized returns.
It helps you compare your actual investment return with inflation, market benchmarks, or other investment options to understand performance more clearly.
Have questions about how we work or what to expect? Here are some common queries.
An XIRR Calculator helps you estimate the annualized return of an investment where cash flows happen on different dates.
XIRR stands for Extended Internal Rate of Return. It is used to calculate returns when investments, withdrawals, or redemptions happen at different points of time.
You should use an XIRR Calculator when your investment has multiple cash flows, such as SIPs, additional investments, partial withdrawals, or irregular investment dates.
You need to enter the investment amounts, transaction dates, withdrawal amounts if any, final investment value, and valuation date.
Yes. XIRR is commonly used for SIP investments because each SIP instalment is invested on a different date. It helps estimate the actual annualized return from those cash flows.
CAGR is useful when there is one beginning value and one ending value over a fixed period. XIRR is more suitable when there are multiple investments or withdrawals on different dates.
No. XIRR shows the annualized return based on the cash flows and values entered. Actual future returns may vary depending on market performance and investment conditions.
An XIRR Calculator helps you review actual portfolio performance, measure SIP returns, compare investments, evaluate withdrawals, and make better investment decisions with greater clarity.
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