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XIRR Calculator (2026): Calculate Your Actual SIP Returns

Extended Internal Rate of Return: The definitive benchmark for SIP and irregular portfolio yields.

Reviewed by Mahavir Hirani, Financial Expert

The XIRR (Extended Internal Rate of Return) Calculator is the gold standard for measuring the real-world performance of an investment portfolio in India. Unlike simple percentage growth or CAGR (Compound Annual Growth Rate), which assume a single one-time investment, XIRR is designed to handle multiple, staggered, and irregular cash flows.

Whether you are running a monthly SIP in mutual funds, occasionally withdrawing money via SWP, or receiving dividends from stocks, XIRR provides a single 'annualized' percentage that accounts for the exact timing and amount of every transaction. This is crucial because a Rupee invested today is worth more than a Rupee invested a year from now due to the *Time Value of Money*. Most modern investment apps like Zerodha, Groww, and Upstox use XIRR to show you the most honest reflection of your portfolio's earning power.

Cash Flow Register

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Txn Date
Amount (₹)
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Numerical Integrity

Formula: Solve for r where Σ [Ci / (1 + r)^(ti - t0)] = 0 using Newton-Raphson iteration.
Pro Tip

The 'Negative' Rule

To get a correct XIRR, investments (money moving out of bank) MUST be entered as negative values, and current value/redemptions (money back) must be positive.

Precision Yield

34.07%

Annualized Internal Rate of Return for your unique cash-flow timeline.

Total Capital Deployed

₹20,000

Cumulative sum of negative flows.

Current / Total Value

₹25,000

Redemptions + Unrealized Value

Flow Composition

Yield Anatomy
Target (Avg): 12%Current Alpha: 34.1%

Unlike CAGR, which assumes a single buy and sell date, XIRR factors in the timing of your money. A 10% gain over 1 month results in a massive XIRR, while the same 10% gain over 5 years results in a low XIRR.

Portfolio Alpha

Benchmark like an Institutional Desk.

Passive investors look at total gains; elite investors audit XIRR. It is the only metric that accounts for Dividend re-investments and SIP frequency.

XIRR vs Nifty 50

If your XIRR is lower than the Nifty 50 TRI XIRR, consider switching to Index Funds.

Step-Up Impact

Increasing your SIP by 10% annually dramatically boosts XIRR by utilizing more capital at lower NAVs.

Dividend Factor

Add your dividends as positive cashflows on the dates received to see their true impact on yield.

Elite Wealth Suite

Mutual Fund CompareSIP Wealth BlueprintStep-Up SIP CalcLumpsum Growth ToolRetirement PlannerIncome Tax 2026LTCG Tax MapAsset Allocation

The XIRR (Extended Internal Rate of Return) Calculator is the gold standard for measuring the real-world performance of an investment portfolio in India. Unlike simple percentage growth or CAGR (Compound Annual Growth Rate), which assume a single one-time investment, XIRR is designed to handle multiple, staggered, and irregular cash flows.

Whether you are running a monthly SIP in mutual funds, occasionally withdrawing money via SWP, or receiving dividends from stocks, XIRR provides a single 'annualized' percentage that accounts for the exact timing and amount of every transaction. This is crucial because a Rupee invested today is worth more than a Rupee invested a year from now due to the Time Value of Money. Most modern investment apps like Zerodha, Groww, and Upstox use XIRR to show you the most honest reflection of your portfolio's earning power.

The Math: Why XIRR Beats CAGR/IRR

Regular 'Internal Rate of Return' (IRR) assumes that your cash flows occur at equal intervals (e.g., exactly on the 1st of every month). In reality, life isn't that precise. You might start an SIP on the 10th one month and the 25th the next.

  • Newton-Raphson Method: Since XIRR cannot be solved using a simple linear formula, our calculator uses an iterative mathematical algorithm. It solves for the 'Discount Rate' that makes the **Net Present Value (NPV)** of all your historical inflows and outflows exactly equal to zero.
  • Time Sensitivity: Every transaction in an XIRR calculation is weighted by its tenure. Money that stayed in the market for 3 years contributes more heavily to the final result than money invested only 2 months ago.
  • Outflows as Income: Dividends, partial redemptions, and maturity proceeds are treated as positive inflows, helping you see the total 'Wealth Creation' rate of the asset.

Case Study: Irregular Mutual Fund SIP

Imagine an investor with staggered cash flows: a starting SIP, a mid-year bonus, and a partial withdrawal. Today, the portfolio value is ₹44,986.

• Absolute Return: Can be misleading due to cash flows.
• XIRR Result: Provides the exact annualized rate (e.g., {XIRR_RESULT}) that accounts for the fact that capital was deployed at different times.

Total Capital Deployed: Staggered
Annualized Efficiency: {XIRR_RESULT}
Net Wealth Gain: ₹44,986

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Frequently Asked Questions

⚠️ Disclaimer

The figures provided by this calculator are estimates based on the inputs you provide and standard financial formulas. STOCKCALC.IN does not offer investment advice. Please consult a qualified financial advisor before making any investment decisions.

MH

Verified Contributor

XIRR Calculator (2026): Calculate Your Actual SIP Returns analyzed by Mahavir Hirani

I verified this calculation against the April 2026 Fiscal Cycle. If you have questions about the logic, reach out via the Author Page.

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