XIRR कॅल्क्युलेटर
Use the XIRR calculator to calculate the annualised return on investments with irregular cash flows.
वेल्थ प्रोजेक्शन
- गुंतवणूक रक्कम
- पोर्टफोलिओ वाढ (रिटर्न)
स्मार्ट इन्व्हेस्ट करा, एसआयपीसह नियमितपणे इन्व्हेस्ट करा.
An Extended Internal Rate of Return (XIRR) is a method of calculating returns on an investment with cash flows that occur on irregular dates and amounts. It works out the annualised return that takes into account when the investment and withdrawal are made.
In the case of SIPs, mutual funds, staggered investments or portfolios with irregular cash flows, it is useful to use an XIRR calculator. The Association of Mutual Funds in India (AMFI) reported that SIP inflows were crossing the monthly SIP inflows mark of ₹31,000 crore in early 2026, indicating a growing trend toward the use of periodic investing methods where XIRR calculations are widely applied.
XIRR formula explained
The XIRR formula is used to determine the rate at which the total present value of all cash inflows and cash outflows equals zero.
XIRR = Σ [ Cash Flow ÷ (1 + r) ^ ((Date - Start Date) ÷ 365) ] = 0
कुठे:
| टर्म | अर्थ |
|---|---|
| कॅश फ्लो | Investment or withdrawal amount |
| r | XIRR rate |
| तारीख | Date of transaction |
| प्रारंभ तारीख | First investment date |
The formula is customised for each and every transaction, depending on the number of days that pass between each cash flow.
उदाहरण:
| तारीख | व्यवहार |
|---|---|
| जानेवारी 1, 2023 | Invested ₹10,000 |
| एप्रिल 1, 2023 | Invested ₹5,000 |
| डिसेंबर 31, 2024 | Portfolio value ₹18,500 |
An extended internal rate of return calculator takes into account the timing and worth of every transaction prior to calculating an annualised return quantity. A lot of spreadsheet programs like Microsoft Excel and Google Sheets come with an inbuilt XIRR function.
XIRR vs CAGR comparison
There are two approaches to investment returns calculation, namely XIRR and CAGR, and they are applied in different contexts.
| मापदंड | एक्सआयआरआर | सीएजीआर |
|---|---|---|
| Cash Flow Frequency | Irregular | एकल गुंतवणूक आणि विमोचन |
| Considers Transaction Timing | होय | नाही |
| Suitable for SIPs | होय | मर्यादित |
| Annualised Return | होय | होय |
| Supports Multiple Transactions | होय | मर्यादित |
CAGR assumes a single investment made at the start and redeemed at the end. It works well for lump sum investments without additional contributions or withdrawals.
XIRR, however, accounts for multiple cash flows across different dates. This makes it more suitable for SIPs and portfolio-based investing.
SIP return calculations
A SIP XIRR calculator is commonly used to measure mutual fund SIP performance because every SIP instalment stays invested for a different duration.
उदाहरण:
| महिना | गुंतवणूक |
|---|---|
| जानेवारी | ₹5,000 |
| फेब्रुवारी | ₹5,000 |
| मार्च | ₹5,000 |
| एप्रिल | ₹5,000 |
| Current Portfolio Value | ₹22,000 |
In this example, calculating returns using a simple percentage may not provide an accurate picture because each instalment entered the market at a different time.
An XIRR return calculator adjusts each investment based on the transaction date before calculating the annualised return.
Irregular cash flow examples
XIRR is particularly useful when investments involve uneven cash flows.
उदाहरणांमध्ये समाविष्ट आहे:
- Additional lump sum investments
- Partial withdrawals
- Dividend reinvestments
- Different SIP amounts
- पोर्टफोलिओ रिबॅलन्सिंग
- Transfers between schemes
उदाहरण:
| तारीख | व्यवहार |
|---|---|
| जानेवारी 10, 2023 | Invested ₹50,000 |
| जून 18, 2023 | Invested ₹20,000 |
| सप्टेंबर 5, 2023 | Withdrawn ₹15,000 |
| मार्च 1, 2025 | Portfolio value ₹78,000 |
An investment XIRR calculator evaluates each transaction separately while combining them into one annualised return figure.
This makes XIRR more suitable than simple return calculations for portfolios with ongoing activity.
Investment performance tracking
An investment XIRR calculator helps investors monitor portfolio performance over time.
It is commonly used to:
- Compare mutual fund returns
- Measure SIP efficiency
- Evaluate long-term investment growth
- Track retirement portfolios
- Analyse staggered equity investments
Since XIRR standardises returns annually, it allows investors to compare investments with different transaction frequencies and holding periods.
For example, if one investment generates 14% XIRR while another generates 10% XIRR over a similar period, the higher figure indicates stronger annualised growth after accounting for cash flow timing.
XIRR use cases
XIRR is widely used across multiple investment scenarios.
Mutual fund investing
Mutual fund investors use an XIRR calculator to analyse SIP and lump sum investments together.
निवृत्तीचे नियोजन
Retirement investments often involve periodic contributions over long periods. XIRR helps calculate the combined annualised return.
पोर्टफोलिओ मॅनेजमेंट
Investors managing equity, debt, and hybrid allocations can use XIRR to evaluate portfolio-wide performance despite irregular transactions.
Goal-based investing
Education planning, home purchase goals, and long-term wealth creation plans often involve staggered investments. XIRR helps measure progress consistently.
Comparing investments
Since XIRR annualises returns, it allows easier comparison between investments with different timelines and cash flow structures.
Common XIRR mistakes
Errors in transaction entries can significantly affect XIRR calculations.
| चुक | परिणाम |
|---|---|
| Incorrect Transaction Dates | Distorted return calculation |
| Missing Cash Flows | Inaccurate annual returns |
| Incorrect Positive or Negative Entries | Formula errors |
| Ignoring Withdrawals | Overstated performance |
| Comparing Short-term XIRR Values | Misleading conclusions |
In most spreadsheet tools, investments are entered as negative values because they represent cash outflows, while redemption amounts are entered as positive values. Another common mistake is using XIRR to evaluate very short-term performance during volatile market periods.
Why XIRR Matters for Modern Investing
An XIRR calculator provides a more accurate way to evaluate investments where contributions and withdrawals happen at different times. For SIPs, mutual funds, and diversified portfolios, XIRR helps measure annualised performance while accounting for actual cash flow timing, making it a practical metric for long-term investment tracking.
एफएक्यू
CAGR measures returns for a single investment over time, while XIRR measures returns for investments with multiple cash flows on different dates.
Each SIP instalment remains invested for a different duration. XIRR adjusts for this timing difference.
Yes. XIRR can be negative if the investment value falls below the total invested amount after considering all cash flows.
Yes. XIRR represents annualised returns after adjusting for transaction timing.
होय. However, CAGR may also work effectively when there are no intermediate cash flows.
For investments involving multiple transactions over longer periods, XIRR generally provides a more accurate annualised return measure.
अस्वीकृती: 5paisa वेबसाईटवर उपलब्ध कॅल्क्युलेटर केवळ माहितीच्या हेतूसाठी आहे आणि संभाव्य इन्व्हेस्टमेंटचा अंदाज घेण्यास तुम्हाला मदत करण्यासाठी डिझाईन केलेले आहे. तथापि, हे समजून घेणे महत्त्वाचे आहे की कोणतीही इन्व्हेस्टमेंट स्ट्रॅटेजी तयार करण्यासाठी किंवा अंमलबजावणी करण्यासाठी हे कॅल्क्युलेटर एकमेव आधार असू नये. अधिक पाहा...