XIRR Calculator
XIRR is the annualised return when money goes in and out on different dates: the right metric for SIPs, lumpsums, and partial redemptions. Add each cash flow (investments negative, redemptions and current value positive) to compute it.
Add each investment and every withdrawal or current value, with its date.
XIRR (annualised return)
12.3%
True time-weighted return
Total invested
₹3,00,000
Total received
₹3,80,000
Absolute gain
+₹80,000
XIRR weights each cash flow by its date, so it reflects the real annualised return of an irregular investment schedule. Use today's date and your current portfolio value as the final “Received” row.
Frequently asked questions
What's the difference between XIRR and absolute return?
Absolute return ignores timing. XIRR accounts for when each rupee was invested or withdrawn, giving the true time-weighted annualised return: essential for SIPs.
How do I enter my cash flows?
Enter every investment as a negative amount on its date, and your current portfolio value (or redemptions) as a positive amount on today's date. You need at least one negative and one positive entry.