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NIFTY 50 22,555.75 133.80 (+0.60%)
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BSE SENSEX 72,382.47 472.77 (+0.66%)
NIFTY 50 22,555.75 133.80 (+0.60%)
NIFTY BANK 54,714.10 263.35 (+0.48%)
NIFTY IT 28,301.65 -3.05 (-0.01%)
NIFTY AUTO 25,421.90 36.95 (+0.15%)
BSE CAP GOODS 74,416.73 283.47 (+0.38%)
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XIRR Calculator | Accumen Wealth

XIRR Calculator

Calculate the true annualised return on investments made at different dates — perfect for SIPs, staggered investments, and irregular cash flows.

Your Cash Flows
Add each investment (money out) and the final/redeemed value (money in), with its date. XIRR works out the annual return across all of them.
Date
Amount (₹)
Type
XIRR
—
per annum
Total Invested
—
Total Returned
—
Net Gain
—
Absolute Return
—

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.

Disclaimer: This calculator is for educational purposes only. XIRR is computed from the cash flows and dates you enter using an iterative method. Results are indicative and assume the final value entered is accurate as on its date. Please consult a qualified financial advisor before making investment decisions.

XIRR Calculator

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.

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What is XIRR?

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XIRR helps you understand the actual return from investments where money is invested or withdrawn at different times, instead of only at the beginning and end of the investment period.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.

Why is XIRR Important?

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:

  • Understand the actual annualized return from multiple investment transactions
  • Measure returns when investments and withdrawals happen on different dates
  • Review the performance of SIPs, mutual funds, portfolios, and goal based investments
  • Avoid judging performance only by total return or final value
  • Compare real investment returns across different products or portfolios
  • Evaluate whether your investment performance is aligned with your financial goals
  • Make better investment decisions with a clearer view of cash flow based returns

How Can an XIRR Calculator 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:

  • What is the actual annualized return on my investment?
  • How much return have I earned from my SIPs?
  • How do additional investments or withdrawals affect my return?
  • Is my portfolio performance aligned with my financial goals?
  • How can I compare investments with different cash flow patterns?
  • Is my actual return better than inflation or other benchmark returns?

How Do XIRR Calculators Work?

  • An XIRR Calculator works by estimating the annualized return of an investment where cash flows happen on different dates.
  • First, you enter each investment amount along with the date on which it was invested.
  • Then, you enter any withdrawals made during the investment period, along with the withdrawal dates.
  • Finally, you enter the current or final value of the investment and the valuation date.
  • Based on these details, the calculator estimates the XIRR, which shows the annualized return after considering the timing and amount of each cash flow.

Example

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.

How to Use Accumen Wealth's
XIRR Calculator

Enter Your First Transaction

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

Add Each Investment You Made

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 the Amount You Received

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

Use the Correct Type for Each Row

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

Review Your XIRR

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

Check the Summary Figures

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

Read the Cash Flow Timeline

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 the Result for Planning

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

Advantages of Using Accumen Wealth’s XIRR Calculator

Gives a Clear Annualized Return Estimate

It helps you estimate the annualized return of investments where cash flows happen on different dates.

Helps Measure SIP Performance

You can use the calculator to review the actual return from SIPs, mutual funds, portfolios, and goal based investments.

Considers Multiple Cash Flows

The calculator considers different investment amounts, transaction dates, withdrawals, and final value to give a more realistic return estimate.

Shows Cash Flow Based Returns

XIRR helps you understand investment performance based on the timing and amount of each cash flow, instead of looking only at total returns.

Supports Portfolio Review

It helps you review whether your portfolio is performing in line with your expectations and long term financial goals.

Helps Compare Investment Options

You can use the result to compare different investments, funds, portfolios, or strategies with better clarity.

Supports Better Financial Decision Making

It helps you evaluate whether to continue, increase, review, rebalance, or change your investment strategy based on actual annualized returns.

Helps Compare Returns With Benchmarks

It helps you compare your actual investment return with inflation, market benchmarks, or other investment options to understand performance more clearly.

Common FAQs, Clearly Answered

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.

Looking for more clarity, direction, and confidence in your financial decisions?

Accumen Wealth offers personalized wealth management support to help you plan better, make informed decisions, and stay aligned with your long term financial goals.

With a thoughtful and structured approach, we help bring greater clarity and direction to your wealth journey.

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