Return Analysis
XIRR, IRR & NPV Calculator
Add your actual investment and redemption dates to see your true annualised return — the same method your CAS statement uses.
Cash Flow Schedule
25/60Add every investment (outflow) and redemption / current value (inflow) with its actual date.
Cash Flow Timeline
Red bars = money out (investments) · Green bars = money in (redemptions / current value)
All Cash Flows
Chronological order — as used in the XIRR calculation
| Date | Type | Amount | Label |
|---|---|---|---|
| 04 Nov 24 | OUT | -₹10,000 | — |
| 04 Dec 24 | OUT | -₹10,000 | — |
| 04 Jan 25 | OUT | -₹10,000 | — |
| 04 Feb 25 | OUT | -₹10,000 | — |
| 04 Mar 25 | OUT | -₹10,000 | — |
| 04 Apr 25 | OUT | -₹10,000 | — |
| 04 May 25 | OUT | -₹10,000 | — |
| 04 Jun 25 | OUT | -₹10,000 | — |
| 04 Jul 25 | OUT | -₹10,000 | — |
| 04 Aug 25 | OUT | -₹10,000 | — |
| 04 Sept 25 | OUT | -₹10,000 | — |
| 04 Oct 25 | OUT | -₹10,000 | — |
| 04 Nov 25 | OUT | -₹10,000 | — |
| 04 Dec 25 | OUT | -₹10,000 | — |
| 04 Jan 26 | OUT | -₹10,000 | — |
| 04 Feb 26 | OUT | -₹10,000 | — |
| 04 Mar 26 | OUT | -₹10,000 | — |
| 04 Apr 26 | OUT | -₹10,000 | — |
| 04 May 26 | OUT | -₹10,000 | — |
| 04 Jun 26 | OUT | -₹10,000 | — |
| 04 Jul 26 | OUT | -₹10,000 | — |
| 04 Aug 26 | OUT | -₹10,000 | — |
| 04 Sept 26 | OUT | -₹10,000 | — |
| 04 Oct 26 | OUT | -₹10,000 | — |
| 18 Oct 26 | IN | +₹2.70 L | Current Value (Today) |
Why XIRR — not CAGR — is the right measure for SIPs
CAGR (Compound Annual Growth Rate) only works when there is exactly one investment and one redemption. A SIP has many instalments on different dates, so there is no single "invested amount" and "holding period" to plug into a CAGR formula. XIRR solves this by finding the single annualised rate that, when applied to every dated cash flow, discounts them all back to zero net present value — that is exactly what your AMC's CAS (Consolidated Account Statement) does to show your SIP return.
IRR is the same concept applied to equally-spaced periods (Year 0, Year 1, Year 2...) instead of real calendar dates — useful for simple annual projections. NPV takes the same cash flows and discounts them at a rate you choose, rather than solving for the rate — so a positive NPV tells you the flows beat your chosen rate, and a negative NPV tells you they fell short.
Want your actual portfolio's XIRR checked against your goals?
Share your contact — your Relationship Manager will review your real cash-flow history and walk you through what your XIRR means for your plan. AMFI-registered Mutual Fund Distributor (ARN-286886), zero obligation.
Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns. XIRR is computed using the Newton-Raphson method on a 365-day-year basis, consistent with the convention used in Excel and AMC-issued CAS statements. IRR and NPV on the Year-wise tab assume equal (annual) intervals between cash flows.
XIRR, IRR and NPV — measuring returns when cash flows are irregular
When you invest a single amount and check it later, a simple return works. But real portfolios have money going in and out at different dates — SIP instalments, top-ups, withdrawals — and a simple return quietly misleads you. XIRR solves this: it finds the single annualised rate that makes all your dated cash flows consistent, giving the true return on money that arrived and left at different times.
This calculator computes XIRR (and its cousins IRR and NPV) from a list of cash flows with dates. It is the metric to judge your own SIP or portfolio by, and it is usually why your personal return differs from the fund’s published return — the fund’s number assumes a lump sum, while your XIRR reflects when you actually invested.
How this calculator works
- 1Enter each cash flow with its date — investments as outflows, redemptions and current value as inflows.
- 2The calculator solves for the rate that sets the net present value of those flows to zero.
- 3That rate is your XIRR — the true annualised return on your specific cash flows.
Frequently asked questions
What is XIRR?
XIRR is the annualised rate of return on a series of cash flows that occur on irregular dates. It accounts for both the size and the timing of every investment and withdrawal, which makes it the correct way to measure the return on a SIP or a portfolio with multiple transactions.
Why is my XIRR different from the fund’s return?
A fund’s published return usually assumes a single lump sum held for the full period. Your XIRR reflects when you actually invested each rupee. If you invested more just before a rise or after a fall, your XIRR can differ noticeably from the fund’s point-to-point return — it is measuring your experience, not the fund’s.
What is a good XIRR?
It depends on the asset and period, and there is no fixed "good" number. For a long-run equity SIP, an XIRR in line with long-term equity returns is reasonable; comparing your XIRR against a relevant benchmark over the same period is more useful than any absolute threshold. Remember returns are not guaranteed.
Illustrative only; past returns do not guarantee future results.
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