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XIRR Calculator

XIRR is the right way to measure mutual fund returns when you've made irregular investments and redemptions. Paste each transaction with its date — outflows (investment) as negative, inflows (redemption / current value) as positive — and we solve for the annualised return that makes the NPV zero.

Cashflows

Or paste CSV (date,amount per line)

Investments / SIP instalments → negative. Redemption or current portfolio value → positive.

XIRR (annualised)
12.29%
Total invested
₹30,000
Total received
₹38,000
Net gain
₹8,000
Cashflows
4

Why XIRR (not CAGR)?

CAGR assumes a single investment at the start. SIPs invest monthly — each instalment has a different time-in-market. XIRR weighs each cashflow by its actual date, so the number you see matches what fund houses report and what Excel's XIRR returns.

How to use it for SIPs

  1. Open your CAS (Consolidated Account Statement) from CAMS / KFintech.
  2. Enter every SIP instalment as a negative amount on its actual date.
  3. Add any partial redemptions as positive amounts.
  4. Add today's portfolio market value as a positive amount on today's date.
  5. The XIRR you get is your true annualised return.

Sanity check

A 10-year SIP that returned ₹2 to every ₹1 invested has CAGR of about 7.2% but XIRR closer to ~12%, because half the money was invested in the last 5 years.