Irregular-cashflow XIRR
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. Details
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): —
—
Questions
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.
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.
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.