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About this calculator
When money goes in on different dates, a simple return misleads. Enter each investment (and any withdrawal) with its date and the current value — XIRR gives the annual return your money actually earned.
How is this calculated?
XIRR is the annual rate r at which the present value of all cash flows is zero: Σ amount ÷ (1 + r)^(days from first flow ÷ 365) = 0. Money you invest counts as negative, withdrawals and current value as positive. Solved numerically.
Questions people ask
Why is XIRR different from CAGR?
CAGR assumes one investment at the start. With a SIP, later instalments were invested for less time, so XIRR — which uses the actual dates — is the accurate measure.
Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.