Add each investment with its date, then enter today’s value. This XIRR calculator finds the effective annual return on money that went in and out at different times.
XIRR Calculator
For SIPs, top-ups and withdrawals on any dates. Use the Received type for withdrawals and dividends.
XIRR is an effective annual rate on a 365-day year, the same method spreadsheets use. It weighs each rupee by how long it stayed invested.
Your result in detail
| Item | Value |
|---|
Illustrative calculation from the dates and amounts you enter. Nothing you type is stored or sent anywhere.
You put ₹1,00,000 in over two years, took ₹10,000 out and now hold ₹1,25,000. The gain looks like 35%, but the yearly return is much lower. An XIRR calculator shows exactly how much, because it counts when each rupee went in.
How do you use this XIRR calculator?
- Enter each investment with its date and amount, and choose the type Invested.
- Enter any withdrawal, redemption or dividend as Received, with its date.
- Enter the current value and the date it applies to, then read the XIRR, the gain and the absolute return.
Add as many rows as you need, up to 30. Your statement from the fund house, app or broker lists the dates. Stock Charcha keeps every entry inside your browser, so nothing is stored or sent.
What is XIRR and how is it calculated?
XIRR finds the single yearly rate that makes all your dated cash flows add up to zero in today's value. Money that stayed invested longer counts for more, and money added recently counts for less.
Sum of [ Cash flow ÷ (1 + XIRR)(days since first flow ÷ 365) ] = 0
There is no direct formula for this, so the calculator searches for the rate by repeated trial. The result is an effective annual rate, and it uses a 365-day year like the spreadsheet function of the same name.
What does a worked example look like?
Take four cash flows and a current value. These figures are illustrative.
| Date | Cash flow | Amount |
|---|---|---|
| 1 Jan 2024 | Invested | ₹50,000 |
| 15 Jun 2024 | Invested | ₹25,000 |
| 10 Jan 2025 | Invested | ₹25,000 |
| 20 Aug 2025 | Received | ₹10,000 |
| 30 Sep 2026 | Current value | ₹1,25,000 |
The total invested is ₹1,00,000 and the gain is ₹35,000, an absolute return of 35%. The XIRR is about 13.93% a year, because the first ₹50,000 was invested for nearly three years. Stock Charcha uses round numbers in this example so you can check it by hand.
Can the same money earn a different XIRR?
Yes, and this is the number most people miss. Two investors each put in ₹1,00,000 in total and both hold ₹1,40,000 on 1 January 2026.
| Investor | How the money went in | XIRR |
|---|---|---|
| A | ₹1,00,000 on 1 Jan 2024 | 18.29% |
| B | ₹50,000 on 1 Jan 2024 and ₹50,000 on 1 Jan 2025 | 24.62% |
Same total, same final value, but B earns a higher XIRR because half the money had only one year to grow. The XIRR calculator rewards efficiency, not just the size of the gain.
How is XIRR different from CAGR?
CAGR needs one beginning value and one ending value, while XIRR handles many dates. With a single investment the two agree. Turn ₹1,00,000 into ₹2,00,000 between 1 January 2023 and 1 January 2025, and both give about 41.35% on a 365-day basis. Our CAGR calculator covers the single-flow case.
Why does a SIP show a high XIRR but a small gain?
Take a ₹5,000 SIP on the 5th of every month through 2025, worth ₹66,000 on 5 January 2026. You invested ₹60,000 and gained ₹6,000, an absolute return of 10%. The XIRR is about 18.88%, because each instalment was invested for only a fraction of the year.
Both numbers are true, and they answer different questions. Absolute return shows how much you made, and the XIRR calculator shows how hard each rupee worked. That contrast is why Stock Charcha shows both numbers together.
What does this XIRR calculator leave out?
It does not deduct tax, exit loads or charges unless they are already inside your cash flows and current value. It also needs correct dates, because a wrong month shifts the result. Over a few weeks, XIRR annualises a tiny gain into a huge figure, so be careful reading short periods.
When cash flows change direction several times, a spreadsheet can find more than one valid rate, and this tool reports one of them. For fund statements, see AMFI. Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.
Where should you go after using the XIRR calculator?
To project a SIP forward, use the SIP calculator, and to see how rising instalments change it, try the step-up SIP calculator. The cost of waiting is easy to see in our SIP delay calculator.
New to SIPs? Start with what is SIP in mutual funds, then read the power of SIP in Indian equities. The Charcha Knowledge Hub gathers the basics in one place. Keep your latest statement handy and let the XIRR calculator do the timing maths.
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Last updated: 3 October 2026. This page uses no rates, slabs or charges, so the maths stays the same until the method changes.
Founder of Stock Charcha. Stock market enthusiast, actively investing since November 2022. About the author
Educational content only. This page is not personalised financial advice. Please do your own research or speak to a SEBI-registered adviser before investing, and read our disclaimer.
Frequently asked questions
Where do I find my transaction dates and amounts?
Your fund house, investing app or broker provides a transaction statement or a consolidated account statement. It lists every purchase, redemption and dividend with its date. Copy each line into the calculator as Invested or Received.
Will this match the XIRR in Excel or Google Sheets?
It should match closely, because both use a 365-day year and the same cash-flow logic. Tiny differences can appear from rounding and from how each tool searches for the rate. Check that the dates and signs are the same.
Why does my XIRR look huge over a short period?
XIRR is an annual rate, so a small gain over a few weeks gets stretched to twelve months. A 3% gain in one month works out to about 43% a year. For short periods, read the absolute return instead.
How do I enter dividends or partial withdrawals?
Add each one as a row with the type Received and the date you got the money. Do not subtract it from the current value. The calculator treats it as cash that came back to you on that day.
Can the XIRR calculator show a negative return?
Yes. If you invested more than you received and still hold, the XIRR turns negative and shows the yearly rate of loss. A negative result means your current value is below what you put in, after timing is considered.