XIRR Calculator
Calculate XIRR for irregular cash flows in mutual funds and SIPs.
Results
Total invested
₹1.00 L
Current value
₹1.80 L
Absolute return
80.00%
XIRR (annualised return)
12.47%
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What is XIRR and why is it used for mutual funds?
XIRR (Extended Internal Rate of Return) is the standard method used to calculate annualised returns for investments with irregular cash flows — like SIPs where you invest monthly, or lump sums at different points in time. Unlike simple absolute return, XIRR accounts for the timing and amount of each cash flow to give you a true annualised picture of your portfolio's performance.
Mutual fund platforms in India (Zerodha Coin, Groww, MFCentral) all report XIRR as the primary performance metric for SIP investments. If you invested ₹10,000/month for 3 years and your portfolio is now worth ₹4.5 lakh, your absolute return might look good — but XIRR tells you the equivalent annual rate, making it comparable to FD rates and other investments.
Use "Single" mode if you made a one-time lump sum investment and want the annualised return (equivalent to CAGR). Use "SIP" mode for regular monthly investments — XIRR is calculated using Newton-Raphson iteration to find the precise annualised rate.