1. List every cash flow
Add a row for each SIP debit, lump-sum purchase, or bank credit. Use the statement from CAMS, KFin, or MF Central — dates matter as much as rupees.
xirr calculator
Annualise the messy folio. Not the brochure CAGR.
XirrRupee is an XIRR calculator for irregular cash flows — SIPs, lump sums, STPs, and partial redemptions. Money you put in is an investment. Money you take out, or today’s market value, is a redeem. The rate is solved in this browser with Newton–Raphson on a 365-day year, the same convention as Excel.
Loading the ledger…
Educational tool only — not investment advice, not a SEBI-registered performance certificate. Past returns do not predict future NAVs. Read the disclaimer.
How it works
2. Put a value on what remains
Units still sitting in the folio need a Redeem on today’s date. Without that last inflow, XIRR has nothing to annualise against.
3. Read XIRR, not the pile
The percentage is the constant annual rate that prices every dated rupee correctly. A naive “current ÷ invested” CAGR almost always lies for SIPs.
Guides
XIRR vs CAGR
When the two numbers agree, when a SIP makes CAGR unusable, and which one to quote.
Read the comparisonHow to use this for SIPs
Statement exports, current value, dividends, switches, and the mistakes that flip the sign.
Open the SIP guideWorked example
Three yearly lumps, a 12% XIRR, and the NPV checks Newton–Raphson walks through.
See the numbersQuick FAQ
Before you trust the percentage
What is an XIRR calculator?
An XIRR calculator finds the annualised rate of return on cash flows that do not arrive on a neat yearly schedule. You enter each investment and redemption with its date; the tool solves for the rate that makes the discounted value of those flows equal zero. That is the number Indian SIP and mutual-fund investors usually want — not a simple CAGR on the pile of rupees.
Why should SIP investors use XIRR instead of CAGR?
CAGR assumes one lump went in on day one and sat untouched. A SIP drips money in every month, so early instalments have more time in the market than later ones. XIRR weights each rupee by how long it was actually invested. Treating total invested ÷ years as a CAGR usually under- or over-states the live return.
Are investments negative and redemptions positive?
Yes. That is the Excel and Google Sheets convention, and XirrRupee uses it. Money you put in is an outflow (negative). Money you take out — or the folio’s current value, treated as if you redeemed today — is an inflow (positive). The on-screen Invest / Redeem toggle writes the sign for you.
How do I treat the current value of my folio?
Add a Redeem row dated today for the latest market value (units × NAV, or the total from your app). XIRR has no idea what the remaining units are worth unless you put that number in as a cash flow.