What is XIRR in mutual funds?

XIRR (Extended Internal Rate of Return) measures annualized returns on investments with irregular cash flows, such as SIP installments or multiple lumpsum purchases.

What is the difference between CAGR and XIRR?

CAGR is used for single lumpsum investments with one initial purchase date and one maturity date. XIRR is used when cash flows occur on multiple different dates.

XIRR Calculator

Extended Internal Rate of Return for Irregular Investments & SIPs. The XIRR calculator facilitates computing the extended internal rate of return for varied cash flows associated with investments and SIPs over time.

Enter your cash flows below. Use negative numbers (e.g., -5000) for investments/SIPs (cash outflows) and positive numbers (e.g., 25000) for withdrawals, returns, or current portfolio value (cash inflows).

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Understanding Extended Internal Rate of Return (XIRR)

XIRR is the gold standard for measuring real-world investment performance when cash flows occur at irregular intervals—such as monthly SIPs, multiple lumpsum investments, partial redemptions, or dividend payouts.

When to Use XIRR vs CAGR:

CAGR: Ideal for one-time initial investments with a single exit value over a fixed multi-year period.
XIRR: Essential for mutual fund SIPs, recurring stock investments, or phased business cash flows where transactions happen on multiple different dates.