XIRR Calculator
In today’s investment landscape, SIPs have become a go-to choice for investors seeking long-term growth. However, calculating returns from SIPs especially when investments are irregular or involve withdrawals, can be complex. That’s where the XIRR calculator comes in. It simplifies return calculation by considering each transaction's date and value, helping you get a clearer, more accurate picture of how your money has grown over time. Whether you're investing monthly, or withdrawing funds, the XIRR calculator gives you the real story behind your returns.
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What is XIRR and its Meaning in Mutual Funds?
- XIRR Calculator
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What is an XIRR Calculator?
XIRR (Extended Internal Rate of Return) is a financial metric used to determine the actual annualised return from investments that involve multiple cash flows at different intervals. It’s particularly useful for SIPs and other investments where contributions or withdrawals aren’t consistent.
An XIRR calculator for SIP applies a single rate of return to each transaction—investment or withdrawal—to arrive at the current value of your portfolio. It helps investors get a more realistic picture of their returns, unlike metrics that assume lump-sum or regular investments.
Steps to Calculate XIRR in Excel
Prefer doing it manually in Excel? Here’s how you can do it:
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List all transactions in a column. Use negative values for investments (outflows) and positive values for withdrawals/redemptions (inflows).
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In the adjacent column, enter the corresponding dates for each transaction.
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Add the current value and date in the final row.
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Use the Excel function:
=XIRR(values, dates, [guess])
This will give you the annualised return based on your transaction history.
Best SIP Funds
Opportunities Fund
₹35,672
₹
After 5 years+ 25.73 %
Accelerator Mid-Cap Fund II
₹5,410
₹
After 5 years+ 24.15 %
Diversified Equity Fund
₹3,524
₹
After 5 years+ 21.02 %
Frontline Equity Fund
₹4,206
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After 5 years+ 24.13 %
Grow Money Plus Fund
₹434
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After 5 years+ 20.74 %
Diversified Equity Fund
₹3,524
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After 5 years+ 21.02 %
Frontline Equity Fund
₹4,206
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After 5 years+ 24.13 %
Grow Money Plus Fund
₹434
₹
After 5 years+ 20.74 %
Growth Super Fund
₹13,305
₹
After 5 years+ 20.11 %
Opportunities Fund
₹35,672
₹
After 5 years+ 25.73 %
Accelerator Mid-Cap Fund II
₹5,410
₹
After 5 years+ 24.15 %
Growth Opportunities Plus Fund
₹969
₹
After 5 years+ 23.22 %
Classic Opportunities Fund
₹13,357
₹
After 5 years+ 21.83 %
Opportunities Fund
₹3,245
₹
After 5 years+ 22.95 %
Equity Top 250 Fund
₹535
₹
After 5 years+ 20.13 %
Whole Life Income Fund
₹872
₹
After 5 years+ 6.22 %
Whole Life Aggressive Growth Fund
₹849
₹
After 5 years+ 22.92 %
Save N Grow Money Fund
₹63
₹
After 5 years+ 11.95 %
Asset Allocation Fund II
₹297
₹
After 5 years+ 13.85 %
Multi Cap Balanced Fund
₹2,007
₹
After 5 years+ 14.34 %
Super Select Equity Fund
₹1,239
₹
After 5 years+ 21.56 %
Example of Working of XIRR
Let’s understand how XIRR works with a simple example.
Suppose you made the following investments in a mutual fund:
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₹5,000 on 1st Jan 2023
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₹5,000 on 1st April 2023
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₹5,000 on 1st July 2023
On 1st Jan 2024, the value of your investment becomes ₹16,500, and you redeem the full amount.
To calculate XIRR in Excel:
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Enter all cash flows in one column:
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Use –₹5,000, –₹5,000, and –₹5,000 for your investments (outflows).
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Enter ₹16,500 as a positive value for redemption (inflow).
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In the next column, input the corresponding dates for each transaction.
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Use the formula:
=XIRR(values, dates)
- Insurance Companies
- Mutual Funds
| Returns | ||||
|---|---|---|---|---|
| Fund Name | 5 Years | 7 Years | 10 Years | |
| High Growth Fund Max Life | 27.23% | 21.27% |
18.4%
View Plan
|
|
| Top 200 Fund Tata AIA | 31.36% | 21.73% |
17.46%
View Plan
|
|
| Accelerator Mid-Cap Fund II Bajaj Allianz | 24.15% | 12.92% |
14.99%
View Plan
|
|
| Opportunities Fund HDFC Standard | 25.73% | 14.99% |
15.14%
View Plan
|
|
| Equity II Fund Canara HSBC Oriental Bank | 19.44% | 10.32% |
10.53%
View Plan
|
|
| Grow Money Plus Fund Bharti AXA | 20.74% | 13.95% |
14.2%
View Plan
|
|
| Multiplier Birla Sun Life | 26.67% | 14.27% |
15.83%
View Plan
|
|
| Equity Top 250 Fund Edelwiess Tokio | 20.13% | 12.14% |
11.86%
View Plan
|
|
| Opportunities Fund ICICI Prudential | 22.95% | 13.36% |
12.55%
View Plan
|
|
| Flexi Growth Fund LIC | - | - |
-
View Plan
|
|
| Returns | ||||
|---|---|---|---|---|
| Fund Name | 3 Years | 5 Years | 10 Years | |
| Active Fund QUANT | 23.92% | 31.48% |
21.87%
|
|
| Flexi Cap Fund PARAG PARIKH | 20.69% | 26.41% |
19.28%
|
|
| Large and Mid-Cap Fund EDELWEISS | 22.34% | 24.29% |
17.94%
|
|
| Equity Opportunities Fund KOTAK | 24.64% | 25.01% |
19.45%
|
|
| Large and Midcap Fund MIRAE ASSET | 19.74% | 24.32% |
22.50%
|
|
| Flexi Cap Fund PGIM INDIA | 14.75% | 23.39% |
-
|
|
| Flexi Cap Fund DSP | 18.41% | 22.33% |
16.91%
|
|
| Emerging Equities Fund CANARA ROBECO | 20.05% | 21.80% |
15.92%
|
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| Focused fund SUNDARAM | 18.27% | 18.22% |
16.55%
|
|
Last updated: May 2025
When Should You Use XIRR?
XIRR is especially helpful when:
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Investments are irregular or involve variable amounts.
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There have been withdrawals, redemptions, or top-ups over time.
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You want a realistic and accurate annual return that considers the time value of money.
It provides a clearer picture of how your investments have truly performed.
Benefits of Using an XIRR Calculator
Here’s why the XIRR return calculator for SIP stands out:
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Accurate Returns: Tracks multiple investments and redemptions to offer precise results.
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Annualised Insights: Helps understand yearly growth rather than just total growth.
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Performance Tracking: Evaluate and compare different investments over time.
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Easy to Use: Can be calculated via Excel or user-friendly XIRR Calculator online tool.
Conclusion
When measuring the performance of your mutual fund or SIP investments, the XIRR is one of the most reliable metrics. Unlike traditional methods that assume uniform cash flows, XIRR considers the actual dates and amounts of all transactions, giving you a truer sense of return. Though the calculation can be complex, tools like the XIRR calculator make it simple and accessible for every investor.
FAQs
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What does 10% XIRR mean?
A 10% XIRR means that an investment has returned 10% per year, on average, over a specified period of time, taking into account the timing of cash flows. -
Is 20% XIRR good?
A 20% XIRR is considered to be a very good return for most investments. It is important to note that past performance is not indicative of future results, but a 20% XIRR over a sustained period of time would be very impressive. -
What is the formula for calculating XIRR?
The formula for calculating XIRR is as follows:XIRR(values, dates, [guess])
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values: A range of values representing the cash flows.
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dates: A range of dates corresponding to the cash flows.
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guess: An optional parameter that provides an initial guess for the XIRR.
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What is XIRR in the SIP calculator?
XIRR in the SIP calculator stands for Extended Internal Rate of Return. The XIRR function in the SIP calculator will take into account the timing of your investments and the actual returns you earned on each investment, and it will give you a more accurate estimate of your overall return on investment. -
How is XIRR calculated?
The XIRR is generally calculated using a spreadsheet software like MS Excel. You can calculate your annual rate of return by inserting the cash flows for their respective dates and applying the formula: ‘=XIRR(values, dates, [guess])’. -
What is a good XIRR rate?
A good XIRR rate for different types of investments are given below:-
Equity investments: a good XIRR ranges between 12 – 15% p.a.
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Debt investments: a good XIRR ranges from 6 – 10% p.a.
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Is XIRR equal to CAGR?
No, XIRR is not equal to CAGR, although both these are a measure of investment performance. While CAGR provides a smoothed annual growth rate assuming consistent growth, XIRR provides a more precise annualized return by considering the actual dates and amounts of cash flows.
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved
insurance
plan.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^Section 80C allows annual deductions of up to ₹1.5 lacs from the taxable income. Section 10(10D) provides tax-free maturity benefits for investments of up to ₹2.5 Lacs/ year, on policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
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