XIRR Calculator

The Extended Internal Rate of Return (XIRR) Calculator is a sophisticated tool for measuring the performance of investments with irregular cash flows. Unlike CAGR, which works for lumpsum investments, XIRR is the perfect metric for investments like SIPs, lumpsum top-ups, and partial withdrawals, where money flows in and out at different times. It calculates a personalized, annualized rate of return, giving you the true performance of your investment portfolio.

How to Use the XIRR Calculator

1. Enter Initial Investment: The first entry should be your initial investment. Enter the date and the amount as a negative value (e.g., -50000) as it is a cash outflow.
2. Add Subsequent Cash Flows: Click 'Add Cash Flow' for each subsequent transaction. Enter investments as negative numbers and withdrawals or redemptions as positive numbers.
3. Enter Final Value: The last entry should be the current total value of your investment on the current date, entered as a positive number.
4. Calculate XIRR: Click the 'Calculate' button to get your annualized return.

Who Should Use This Tool?

This calculator is essential for any serious investor, especially:

• SIP Investors: To accurately calculate the returns on their mutual fund SIPs.
• Portfolio Managers: To track the true performance of a portfolio with multiple buy/sell transactions.
• Stock Market Traders: Who frequently buy and sell stocks and want to know their overall portfolio return.
• Anyone with Irregular Investments: Individuals who invest whenever they have surplus funds.