Investment Calculators

XIRR Calculator

Compute the annualised internal rate of return on irregular cash flows like SIPs, additional purchases and redemptions.

About the calculator

What is the XIRR Calculator?

The XIRR Calculator is a free online tool that helps you make informed decisions about your money. Enter your numbers and the calculator gives you instant, accurate results.

Use it to compare scenarios, plan goals and validate assumptions — all without signing up.

Formula used
  • XIRR (NPV equation)
    Σ [ CFᵢ / (1 + r)^(dᵢ/365) ] = 0
  • Variables
    CFᵢ = cash flow, dᵢ = days since first flow, r = XIRR (annualised)

Why use the XIRR Calculator?

Financial planning works only when it's specific. The XIRR Calculator converts assumptions into concrete numbers — so you can choose between scenarios with confidence rather than guesswork.

How it helps

By tweaking inputs and instantly seeing the impact, you build intuition for how the underlying variables interact. This is far more useful than abstract formulas alone.

What to remember

Calculators show possible outcomes based on the assumptions you provide. Real-world results may vary; review your plan periodically and adjust as your income, goals and circumstances evolve.

Frequently Asked Questions

The annualised return on a series of cash flows that occur at irregular dates.
Because SIP instalments happen on different dates, each with its own holding period.
Higher means better return — but compare against benchmark and risk.
Yes, when redemptions are smaller than invested amounts on a time-adjusted basis.
No — CAGR assumes one investment & one redemption; XIRR handles many.
Yes — Flattrade displays portfolio XIRR alongside absolute returns.

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