Irregular-cashflow XIRR
True XIRR on your real, messy SIP
Skipped a month? Bumped it up in March? Pulled some out? Enter your actual dated cashflows and get the annualized return that accounts for timing — the figure a basic calculator can't give you.
Educational tool — not investment advice. Figures are estimates based on your inputs, not predictions. Read the full disclaimer
Negative = money you invested. Positive = withdrawals or the final value.
| Date | Amount (₹) |
|---|
Tip: make the last row your current portfolio value (positive).
Absolute return (ignores timing): —
—
In shortXIRR is the annualised return on cash flows made on different dates and in different amounts, which is exactly what a real SIP is. Enter each instalment as a negative amount with its date, and today's value as a positive amount. The XIRR is the single yearly rate that makes all of those cash flows balance.
Questions
Frequently asked
What is XIRR and why does it matter?
XIRR is the annualized return when your cashflows are irregular, with different amounts on different dates. Real SIPs are never perfectly regular, so XIRR is the honest measure of how your money actually performed.
How is it calculated?
We solve for the rate that makes the net present value of all your dated cashflows zero, using Newton-Raphson with a bisection fallback and an actual/365 day count. See the methodology page for the full method.
What's the difference from absolute return?
Absolute return just compares money in versus money out and ignores when each happened. XIRR penalises money that sat idle and rewards money that compounded longer, so it reflects timing.
Worked example: XIRR on a one-year SIP
Twelve monthly instalments of ₹10,000 are worth ₹1,30,000 one month after the last instalment. The absolute gain is 8.3%, but the average rupee was invested for only about six and a half months, so the annualised return is much higher: an XIRR of 15.7%.
| Date | Amount |
|---|---|
| 1 Jan 2025 | −₹10,000 |
| 1 Feb 2025 | −₹10,000 |
| … one instalment on the 1st of every month … | |
| 1 Dec 2025 | −₹10,000 |
| 1 Jan 2026 (value today) | ₹1,30,000 |
XIRR = 15.7% a year (actual/365 day count). Absolute return = 8.3%.
Understand the concept: XIRR Explained: The Honest Way to Measure SIP Returns