- XIRR
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- Total invested
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- Total returned
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- Net gain
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Figures are estimates for planning only, not investment or tax advice.
XIRR is the annualised return on a series of cash flows that happened on irregular dates — exactly what a real portfolio looks like once you have made several purchases and a few redemptions. It is the number your mutual fund statement quotes.
How to enter your cash flows
Every investment is a negative amount on the date the money left your account. Every redemption is a positive amount. Finish with one positive row dated today for the current value of whatever you still hold. Add as many rows as you need.
How it is calculated
XIRR finds the discount rate at which the present value of all the cash flows equals zero, solved numerically because there is no closed-form answer. Each flow is discounted by the exact number of days between its date and the first date, divided by 365.
Frequently asked questions
Why is my XIRR different from the fund's published return?
The fund publishes point-to-point NAV returns. XIRR reflects your dates and your amounts, so it differs whenever you invested at different times.
What if XIRR shows no result?
The series needs at least one negative and one positive value. Check that the investments are entered as negative amounts.
Is XIRR the same as CAGR?
For a single investment and a single redemption, yes. For anything else, XIRR is the correct measure.
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