XIRR Calculator – Calculate Accurate Mutual Fund Returns Online Instantly
XIRR Calculator – Calculate Accurate Mutual Fund Returns Online
What is XIRR and Why It Matters?
When you invest regularly in SIPs, mutual funds, or make multiple deposits and withdrawals over time, the normal CAGR calculator is not enough. That’s where XIRR (Extended Internal Rate of Return) comes in. It is the most accurate way to calculate returns when cash flows are irregular. Our free XIRR Calculator is designed to help investors quickly find out their true annualized return in just a few clicks.
Unlike CAGR, which assumes a single investment and maturity, XIRR considers multiple transactions with different dates. This makes it the preferred method for mutual fund investors, traders, and anyone who invests systematically but redeems partially or at different intervals.
How Does the XIRR Calculator Work?
Our online XIRR Calculator is built for simplicity. You don’t need to manually enter every cash flow like in Excel. Instead, just provide:
- Investment Start Date – When you first invested.
- Maturity Date – The date when you withdrew or redeemed.
- Recurring Investment Amount – Your SIP or regular contribution.
- Total Maturity Amount – The final amount you received.
- Frequency – Choose from monthly, quarterly, half-yearly, yearly, or even 14-day intervals.
With these details, the calculator instantly computes your XIRR, saving you from complex Excel formulas and manual effort.
Why Use Our XIRR Calculator Instead of Excel?
Many investors calculate XIRR using Excel’s inbuilt formula. While accurate, it requires entering every single investment and redemption row by row. This is not practical for most investors.
Our XIRR Calculator solves this by allowing you to input only a few simple details while still providing accurate results. Whether you are an SIP investor or a trader testing systematic strategies, this tool makes life easier.
Key Benefits of Using XIRR Calculator Online
- Time-Saving – No need to manage Excel sheets.
- Accuracy – Get the true rate of return, not just CAGR.
- Flexibility – Works for SIPs, lump sum, or mixed investments.
- Investor-Friendly – Specially built for Indian investors and traders.
- Free to Use – 100% free, no sign-up required.
Example of XIRR Calculation
Let’s say you invested ₹10,000 every month for 3 years in a mutual fund. Your total invested amount is ₹3.6 lakhs. At the end of 3 years, your redemption value is ₹4.5 lakhs.
If you calculate CAGR, you might get a misleading number since investments were spread over time. But when you use our XIRR Calculator, it considers the actual dates and shows the correct annualized return, which could be around 12–13%.
This shows why XIRR is more realistic than CAGR.
Who Should Use XIRR Calculator?
- Mutual fund SIP investors
- Stock traders using systematic strategies
- NPS, ELSS, and PPF investors with periodic deposits
- Anyone investing at irregular intervals but wanting accurate returns
Final Thoughts
Our XIRR Calculator helps investors get a clear picture of their portfolio performance. By considering the timing of each investment, it provides a more reliable measure of returns than CAGR.
Use it to analyze your SIPs, test new strategies, or compare investment products. With one simple tool, you can finally calculate returns the right way.
👉 Try the XIRR Calculator now and take smarter investment decisions.