Calculate XIRR on your irregular SIP investments and mutual fund portfolio. Get your true annualised return considering the timing of every cash flow.
Calculate XIRR on your irregular SIP investments and mutual fund portfolio. Get your true annualised return considering the timing of every cash flow.
Enter dates in YYYY-MM-DD format
DETAILS
This section explains what the calculator does, what goes into the result, and how to interpret the output so you can apply it confidently.
This calculator turns a few key inputs into a clear output you can act on — a number that traders and investors commonly use for planning and decision-making.
Use it to compare scenarios quickly and to understand the trade-offs behind the final result.
Treat the output as a planning number. Small changes in inputs (time, rate, price, quantity, risk, or cashflows) can change the outcome meaningfully — so keep assumptions realistic.
If the tool returns multiple outputs, focus on the ones that drive decisions (e.g., net result, breakeven, or risk-adjusted value), not just the biggest number.
Invest ₹1,00,000 on 2024-01-01, ₹1,00,000 on 2024-07-01, Current value ₹2,40,000 on 2025-01-01
Graphical view
Invest ₹50,000 on 2023-04-01, 2023-10-01, 2024-04-01; Withdraw ₹20,000 on 2025-04-01; Current value ₹1,70,000 on 2026-04-01
Graphical view
HOW IT WORKS
Add every SIP or lumpsum investment with its exact date. Each investment is an outflow (negative cash flow in XIRR logic).
Enter the current date and current portfolio value. This is the final inflow used to calculate your return.
XIRR tells you your actual annual return considering the timing of every investment — more accurate than simple return % for irregular investments.
FAQ
XIRR (Extended Internal Rate of Return) is the annualised return that accounts for the timing of each cash flow. Simple return % ignores when you invested. If you invested ₹1L in January and ₹1L in December and the portfolio is ₹2.5L today, simple return shows 25% — but XIRR correctly shows that the December investment had only a few months to grow, while the January investment had the full year.
XIRR solves for the rate r such that the sum of present values of all cash flows equals zero: NPV = Σ [Cash Flow / (1 + r)^(t/365)] = 0, where t is the number of days from the first cash flow. It is solved iteratively — the same method used by Excel and mutual fund platforms.
For equity mutual funds: > 12% is excellent, 8-12% is good, 5-8% is average. For debt funds: 6-8% is good. For ELSS: > 12% is excellent. Compare your XIRR against the benchmark index (Nifty 50) XIRR for the same investment period to know if you are outperforming or underperforming.
This can happen if you invested recently. XIRR annualises the return, so a 10% gain in 3 months shows as ~40% XIRR, while a 10% gain over 2 years shows as ~5% XIRR. If you see unexpectedly negative XIRR, check that all dates are correct and the current value entry is accurate.
Know your real returns
TradeLyser calculates your actual net returns on every trade — not just the P&L, but the true return on capital deployed.