Input type
Portfolio Return Analyser
XIRR calculator for real portfolio returns
Add multiple investment (negative) and redemption (positive) cash flows with their dates. Get your actual annualised return rate using the XIRR method.
Multiple cash flows
Date-based calculation
Actual annualised return
Best for
Real portfolio analysis
Output
XIRR %
Enter cash flows
Enter investments as negative (−) amounts and redemptions/current value as positive (+) amounts.
How to use
- Enter each SIP instalment as a negative amount with its investment date.
- Enter current portfolio value (or redemption) as a positive amount with today's date.
- Minimum 2 cash flows required (one negative, one positive).
Why use XIRR?
XIRR gives the true annualised return for investments with irregular or multiple cash flows — more accurate than simple CAGR or absolute returns for real SIP portfolios.
About XIRR
XIRR (Extended Internal Rate of Return) is the standard method to calculate annualised returns when cash flows occur at irregular intervals. It is used by all major mutual fund platforms to report personalised returns.
XIRR vs CAGR
CAGR works for a single lumpsum investment. XIRR handles multiple investments and withdrawals at different dates, making it much more accurate for SIP investors.
XIRR vs Absolute Return
Absolute return ignores time. A 50% return over 10 years is far less impressive than 50% over 2 years. XIRR normalises for time.
Reading XIRR results
A positive XIRR means you earned returns. A negative XIRR means your portfolio lost value in annualised terms. 10–15% XIRR is considered good for equity.
Common mistakes
Always enter investments as negative values. Forgetting to include the current portfolio value as a positive cash flow will give an incorrect or undefined result.