Questions the percentage usually raises

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.

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.

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.

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.

It is built to. Both use a 365-day year and Newton–Raphson. We start with the same 10% guess and fall back to bisection if Newton wanders. On Microsoft’s published example the rate matches to six decimal places. Tiny differences can still appear if dates or rounding differ.

CAMS and KFintech consolidated statements, MF Central, or your distributor app (Groww, Zerodha Coin, Kuvera, and so on) list every purchase, SIP, switch-in, and redemption. Export or copy the rows. You can paste them as CSV: date,amount.

If the dividend was paid to your bank, it is a positive cash flow on the payout date. If you chose the IDCW reinvestment option, skip the cash row — those units already sit in the current value. Mixing both double-counts.

A switch-out of fund A is a redeem for A and an invest for B on the same date. For a single-folio XIRR you can omit internal switches and keep only money that entered or left your pocket, plus today’s value. For a whole-portfolio XIRR, count every bank debit and credit, then one current-value row for everything you still hold.

XIRR needs at least one outflow and one inflow, on different dates. All-invest rows with no current value will fail. Extreme sign patterns (you withdrew more than you ever put in on day two) can also have no real annualised rate. Check the signs first.

No and no. XirrRupee is an educational calculator. Cash flows never leave this browser — there is no backend. The percentage is not a SEBI-registered performance figure and should not be the sole reason to buy, hold, or sell.