If you’ve been investing in SIPs or mutual funds, you probably get confused when figuring out your real returns — especially when your investments happen on different dates and amounts. That’s where the XIRR Calculator comes in handy.
XIRR Calculator
Calculate the true annualized return (XIRR) for irregular cash flows — ideal for SIPs, manual investments and withdrawals.
| Date | Amount (₹) | Action |
|---|
This calculator helps you find your accurate annualized return, even when your cash flows are irregular. Let’s understand how it works and why it’s essential.
📊 What Is XIRR?
XIRR (Extended Internal Rate of Return) is a financial metric used to calculate the annualized return rate on investments involving multiple cash flows at different times.
In simple words —
“XIRR tells you the real percentage return your money made every year, considering every investment and withdrawal you’ve made.”
For Example, if you invested ₹5,000 every month and withdrew ₹70,000 after a year, XIRR shows you the actual growth rate of your investment — not just a rough average.
🧮 How to Calculate XIRR Using Misccalc
You don’t need Excel formulas anymore.
Here’s how you can calculate your XIRR easily with the Misccalc XIRR Calculator:
- Go to the XIRR Calculator page on Misccalc.
- Enter each transaction date and amount.
- Use negative numbers for investments.
- Use positive numbers for withdrawals or redemptions.
- Click on “Calculate XIRR.”
- Your annualized return (%) will appear instantly.
💡 Example:
You invest ₹2,000 on 1st Jan 2024, ₹2,000 on 1st Feb 2024, and ₹5,000 on 1st Mar 2024.
If you withdraw ₹10,000 on 1st May 2024, your XIRR might show around 25.4%, depending on exact dates and cash flows.
🧾 XIRR vs CAGR – What’s the Difference?
| Feature | XIRR | CAGR |
|---|---|---|
| Investment Type | Multiple, irregular cash flows | Single, lump-sum investment |
| Best For | SIPs, mutual funds, recurring deposits | One-time investments |
| Calculation | Considers all dates & amounts | Only start and end values |
| Result Accuracy | High | Moderate |
💡 Why Knowing Your XIRR Matters
Understanding your XIRR helps you:
- Compare your mutual fund returns with benchmarks.
- Evaluate whether your portfolio is performing well.
- Track long-term investments accurately.
- Make informed decisions on where to invest next.
Even slight differences (say 10% vs 12%) can significantly impact your long-term wealth.
⚙️ Use Misccalc’s Free XIRR Calculator
Our XIRR Calculator is designed for simplicity and precision.
It allows you to:
- Add or remove unlimited cashflow entries
- Import/export data as CSV
- Instantly calculate your XIRR (%)
- Get clear insights with straightforward interpretation
It’s 100% free, no login required, and works on all devices.
👉 Try it now: Misccalc XIRR Calculator
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🧩 Final Thoughts
XIRR is the most innovative way to calculate your real investment performance when your cash flows aren’t regular.
Instead of relying on rough estimates or Excel sheets, use the Misccalc XIRR Calculator to get your true return instantly — free, fast, and accurate.
Start tracking your investments the smart way today. 🚀