Calculate XIRR

Prefer WealthNest on Google

If you’ve ever looked at a SIP statement and wondered why the ‘returns’ number doesn’t match a simple percentage calculation, XIRR is the answer. This calculator works out your true annualised return across every installment and its own individual holding period, which is the standard way to measure SIP performance accurately.

What is an XIRR Calculator?

XIRR (Extended Internal Rate of Return) is the single annualised rate that, when applied to each cash flow over its own time horizon, equals your final maturity value. It’s more accurate than plain CAGR for SIPs because every installment has a different amount of time to grow, your first payment compounds for years, your last payment barely compounds at all.

Your Investment

SIP Start Date

The date of your first SIP installment.

Maturity / Redemption Date

The date you redeemed/are redeeming the investment.

SIP Amount per Installment (₹)

Amount per installment (each SIP payment).

Investment Frequency

How often you make SIP installments.

Maturity / Redemption Amount (₹)

What you received (or expect) at redemption.

Inflation Rate (%)

India's long-term CPI is around 5–7%. Used for Real Return Rate.

Your XIRR

— invested → — over — months

Results Summary

XIRR

Annualised rate of return

Total Invested

₹0

— installments

Total Gains

₹0

Maturity − Invested

Absolute Return

Gains as % of invested (not annualised)

Tax on Gains

₹0

At 12.5% LTCG rate

Post-Tax Value

₹0

After tax on gains

Cumulative Invested vs Portfolio Value

The brown staircase shows what you've put in; the gold curve shows what those SIPs are worth at each date if growing at your XIRR. The gold curve always ends at the maturity amount you specified — that's how XIRR is defined. The vertical gap between the two curves at the redemption date IS your gain (or loss, if the gold curve ends below the brown one).

Key Insights

#	Date	Cash Flow (₹)	Notes

Reverse Math Reference

The same scenario viewed through different lenses.

If you invested ₹1 lakh at this XIRR for 10 years

FV = 1,00,000 × (1 + XIRR)¹⁰

₹0

Lump sum projection at the same annualised rate

Equivalent CAGR (lump sum analogy)

CAGR = (Maturity / Invested)^1/years − 1

Misleading for SIPs — see XIRR instead

Time to double (at this XIRR)

n_2× = ln(2) / ln(1 + XIRR)

0 yrs

Years for money to double at this rate

Advanced Metrics

For the financially curious — these reveal what's really happening under the hood.

Wealth Multiplier

0×

Maturity ÷ Total Invested

Real Return Rate

XIRR after inflation, before tax

Doubling Time (Exact)

— yrs

When money doubles at this XIRR

A breakdown of XIRR (Extended Internal Rate of Return) and what each result means.

1. What is XIRR?

XIRR is the annualised return on a series of cash flows that don't happen on a single date. For a SIP, your installments are spread across many dates — each installment had a different amount of time to grow before maturity. XIRR is the single rate that, when applied to each installment over its individual time horizon, equates the total of those grown amounts to your maturity value.

It's the standard measure for SIP performance because regular CAGR (just maturity ÷ total invested, annualised) is misleading — it doesn't account for the fact that your last installment had only one month to grow while your first had three years.

2. The Core Math

XIRR is the rate r that satisfies:

Σ [ Cᵢ / (1 + r)^{(dᵢ − d₀)/365} ] = 0

Where Cᵢ is each cash flow (negative for installments, positive for the final redemption), dᵢ is the date of that flow, and d₀ is the first flow date. The equation has no closed-form solution — we solve it iteratively using the Newton-Raphson method, which converges in a handful of iterations for typical SIP scenarios.

3. Why Sign Matters

Each SIP installment is treated as an outflow (negative) from your perspective — money leaving your bank account. The redemption is an inflow (positive) — money coming back. The last row in the cash flow schedule combines the final SIP and the redemption into a single net cash flow.

4. XIRR vs Absolute Return

Absolute Return is just (Maturity − Invested) / Invested × 100. It tells you the total percentage gain over the whole period, but it doesn't distinguish between earning 25% in 1 year vs 25% over 10 years. XIRR annualises that and accounts for the timing of each contribution. Always compare investments using XIRR, not absolute return.

5. Tax on Gains

This calculator applies a flat 12.5% LTCG rate to the total gain (Maturity − Invested). This aligns with India's long-term capital gains tax on equity and equity-oriented mutual funds. Note: SIP tax in reality is calculated per installment based on each one's holding period — short-term gains (held under 1 year) are taxed at a higher rate. The flat 12.5% is a planning approximation.

Caveats & Disclaimer

For illustration only. Mutual fund investments are subject to market risk; past performance does not guarantee future results. The Newton-Raphson solver converges reliably for typical SIP scenarios but may fail for unusual cash flow patterns (e.g. mostly negative final values). Inflation assumptions are illustrative; India's long-term CPI varies. Consult a financial advisor for personalised guidance.

XIRR on One Fund Isn't Your Family's Portfolio XIRR

This calculator measures one investment’s return. Most families hold SIPs and lumpsum investments across several AMCs, each with its own XIRR, and rarely know what their blended, family-wide XIRR actually is. Manually computing that across dozens of cash flows and multiple accounts isn’t realistic to do by hand.

How WealthNest.AI Helps Beyond This Calculator

Computing XIRR manually across every fund, every family member, and every irregular top-up is exactly the kind of calculation WealthNest.AI automates. Your dashboard shows real, live XIRR for each holding and your combined family portfolio, recalculated automatically as your accounts update

WealthNest.ai - AI-powered personalized family office for your wealth | Product Hunt

See this alongside every other account your family holds, all in one place. Download the WealthNest.AI app to get started.

Frequently Asked Questions

Why is XIRR different from CAGR?

CAGR assumes a single lumpsum invested once. XIRR accounts for multiple cash flows on different dates, which is what actually happens with SIPs, making it the more accurate measure for recurring investments.

How is XIRR actually calculated?

There's no direct formula. It's solved iteratively using the Newton-Raphson method to find the rate at which the present value of all cash flows equals zero.

Does XIRR account for tax?

This calculator applies a flat 12.5% LTCG rate on total gains as a planning estimate. Real-world tax depends on the holding period of each individual installment.

What counts as a cash flow in this calculator?

Each SIP installment is treated as an outflow, and your final redemption amount is treated as an inflow, on their actual dates.

Can WealthNest.AI calculate XIRR for me automatically?

Yes. Once your investments are aggregated, WealthNest.AI computes live XIRR for each holding and your overall family portfolio without manual entry.