XIRR Calculator

Calculate the precise annualized return (XIRR) for irregular cash flows, SIPs, and mutual fund portfolios. The most accurate way to track real-world investment performance.

The XIRR (Extended Internal Rate of Return) Calculator is a sophisticated financial tool used to measure the annualized rate of return for a series of cash flows that occur at irregular intervals. While CAGR is useful for point-to-point investments, most real-world investing involves multiple transactions like monthly SIPs, periodic top-ups, and occasional withdrawals. XIRR is the standard metric used by mutual fund houses and financial platforms because it considers the exact calendar date of every transaction. It essentially finds the discount rate at which the Net Present Value (NPV) of all cash flows (both inflows and outflows) becomes zero. This provides a single, comparable percentage that reflects the true growth of your money, adjusted for time.