When making investments at irregular intervals (e.g. SIP top-ups, stock buy-and-sell events, dividend payments), CAGR fails. XIRR computes the true annualized internal rate of return for non-periodic cashflows.
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/XIRR (Internal Rate of Return)
XIRR (Internal Rate of Return)
Calculate annualized returns for irregular stock purchases, mutual fund transactions, and withdrawals.
XIRR (Internal Rate of Return)
Cashflow Transaction Log
2023-01-15− ₹50000
2023-06-20− ₹20000
2024-03-10− ₹30000
2025-05-25+ ₹135000
Maturity Projections
Annualized XIRR return%
Total Outflow Capital₹0
Total Gains Value₹0
What is a XIRR (Internal Rate of Return)?
Calculate the Extended Internal Rate of Return (XIRR) for irregular transactions, SIP payments, or staggered investments to see your true annualized return.
How to Use This Calculator
- Enter your primary figure—such as your gross salary, product price, or target investment amount—into the base input field.
- Adjust the sliders or type numbers directly into the fields to specify parameters like interest rates and tenure duration.
- Enter any additional applicable values, such as tax-saving deductions, extra fees, or custom contribution percentages.
- Review the instant breakdown results, evaluate the visual compounding charts, and download the full breakdown as a PDF report.
Example Calculation: General Formula Example
This table shows a realistic example calculation based on standard parameters. Enter your custom numbers in the sliders above to compare results.
| Parameter | Sample Value |
|---|---|
| Base Investment Amount | ₹1,00,000 |
| Compounding Rate | 10% per annum |
| Duration | 5 Years |
| Computed Interest Gain | ₹61,051 |
| Total Maturity Corpus | ₹1,61,051 |
Why XIRR is the Gold Standard for Returns
Mathematical Formula:
Solve: Sum of [C_i / (1 + r)^( (d_i - d_1) / 365 )] = 0