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
Frequently Asked Questions (FAQ)
Why can't I just use CAGR for my investment returns?+
What is considered a 'good' XIRR for mutual funds?+
Can XIRR be negative?+
What Is the XIRR (Internal Rate of Return) Calculator?
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
- Step 1: Review the instant results and the visual breakdown chart below
- Step 2: Adjust any value to compare scenarios, and download the full report as a PDF
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