How is XIRR different from CAGR?

CAGR assumes a single investment held for a fixed period. XIRR handles multiple cash flows on irregular dates, making it accurate for real SIPs, top-ups and partial withdrawals.

XIRR Calculator

Calculate annualized returns for irregular cash flows.

Calculated locally in your browser. Nothing you enter is uploaded or stored.

Use negative amounts for money invested and positive amounts for money received (including the current value as a final positive entry).

XIRR (annualized return)

5.69%

Overview

XIRR calculates the annualized return of a series of cash flows that occur on irregular dates — such as multiple SIP top-ups, redemptions and a final withdrawal.

How to use it

1Add each cash flow with its date and amount (negative for money invested, positive for money received).
2Add the final value as a positive cash flow on today's date.
3The XIRR is solved numerically and shown as an annualized percentage.

How it works

XIRR is solved by finding the discount rate that makes the net present value of all dated cash flows equal to zero, using an iterative Newton-Raphson search.

Tips

This calculator provides an estimate for planning purposes only and is not financial advice.

Frequently asked questions

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