XIRR Calculator - Annualized Returns Made Simple
Estimate the annualized return on investments where money went in at different times-a simplified XIRR-style view for SIPs and staggered investing.
Full XIRR needs each cash-flow date. This page uses a two-point estimate when only start and end values are known.
Figures are mathematical illustrations only and not a promise of performance. Mutual funds, deposits, loans, and insurance are offered by respective institutions-please read scheme documents and terms before investing or borrowing.
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XIRR calculator - how to use this tool
Estimate extended internal rate of return when you know start value, end value, and years (simplified).
An XIRR calculator computes the true annualised return when investments and withdrawals happen on irregular dates-the right measure for SIPs, top-ups and partial redemptions. It answers the question CAGR cannot: what did my money actually earn, given when I put it in?
Adjust sliders to stress-test assumptions, review the visual breakdown where shown, and export or share results. For a documented plan, talk to Saarthi Capital.
Browse the full calculator hub for SIP, EMI, FD, tax, and more.
Frequently asked questions
What is XIRR and when should I use it?
XIRR is the annualised return when money moves in and out on irregular dates-typical for SIPs with redemptions or top-ups. Use XIRR, not CAGR, whenever there are multiple cash flows.
How is XIRR different from CAGR?
CAGR needs only a start and end value. XIRR factors in every cash flow and its date, so it reflects the timing of your actual investments.
Can XIRR be negative?
Yes. If withdrawals plus current value are worth less than what you invested, XIRR turns negative-the formula reports the true annualised outcome, good or bad.
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