Mutual Fund XIRR Calculator
Compute the annualized yield of complex financial portfolios with irregular cash flows. Define your transactions and see your true return instantly.
Cash Flow Matrix
Annualised Return (XIRR)
7.66%
Total Capital Invested
10,000
Ten Thousand
Total Value Redeemed
15,000
Fifteen Thousand
Net Profit: 5,000
Related Calculators on FinCalcs
After using this calculator, explore these related tools to further optimize your financial planning:
SIP Calculator
Project future values based on XIRR
Lumpsum Calculator
Single-investment returns
CAGR Calculator
Compound annual growth rates
Step-Up SIP Calculator
Track XIRR on step-up SIP investments.
Stock Return Calculator
Calculate returns on direct stock investments.
Dollar Cost Averaging Calculator
See DCA performance with XIRR.
What Is the Mutual Fund XIRR Calculator?
When you invest in mutual funds through SIP or make multiple lump sum investments at different times, calculating the true return requires a method that accounts for irregular timing of cash flows. Our Mutual Fund XIRR Calculator computes the annualized return using the XIRR function.
XIRR gives you the true time-weighted return by considering each cash flow on the date it occurred. This is more accurate than simple average return calculations because it accounts for the time value of each contribution.
Mutual fund investors, especially those with multiple SIPs, step-up SIPs, or irregular lump sum investments, will benefit from calculating their portfolio true XIRR.
How to Use This Calculator
Step 1
Enter each investment or withdrawal transaction with the date and amount.
Step 2
Enter the current value of your portfolio as the final entry.
Step 3
The calculator computes the XIRR automatically.
Step 4
Review the annualized return percentage.
Step 5
Compare XIRR with the fund benchmark to evaluate performance.
Real-World Example
Monthly SIP
10,000 for 12 months
Lump Sum
50,000 in March 2023
Current Portfolio Value
1,82,000
XIRR
13.2%
Fund 1-Year Return
11.5%
The Mathematics Behind XIRR Calculation
XIRR computes the annualized return by solving for the rate that makes the net present value of all cash flows equal to zero:
Frequently Asked Questions
CAGR assumes a single lump sum investment. XIRR accounts for multiple cash flows at different times. For SIPs, XIRR is the correct metric.
Yes, XIRR works for any investment with irregular cash flows: stocks, real estate, private equity, and even loan repayments.
The fund return is based on NAV performance. Your XIRR depends on when you invested and withdrew. Investor returns often differ from fund returns due to timing.
Yes, XIRR can be negative if the current portfolio value is less than the total invested amount when adjusted for timing. A negative XIRR indicates the investment has lost value on an annualized basis over the holding period.
Calculate XIRR at least once a year to track your portfolio performance. Many investors review XIRR quarterly. Frequent calculation helps you identify underperforming investments early and make informed rebalancing decisions.
A good XIRR for an equity mutual fund SIP over 5 years is 12-15%. For 3 years, 10-14% is reasonable given market cycles. Compare your XIRR against the fund's benchmark. A consistently lower XIRR than the benchmark suggests considering a switch to an index fund.
In Excel, list all investment dates and amounts as negative values with the current portfolio value as positive on the latest date. Use the formula =XIRR(values range, dates range, guess). The guess is optional (typically 0.10 for 10%). Excel iteratively solves for the rate.
Fund trailing returns assume a single investment at the start. Your XIRR depends on your specific investment dates and amounts. If you invested during market highs, your XIRR may be lower than fund returns. This is called "investor return vs fund return" and is common due to timing.
Yes, XIRR changes with the valuation date. A recent market high inflates XIRR, a low deflates it. For accurate comparison, always use the same end date when comparing multiple investments. The end date should reflect the most recent available NAV for all funds.
To calculate portfolio XIRR across multiple funds, enter ALL investments across all funds as negative values on their dates, and enter the TOTAL current portfolio value as positive on the current date. This gives the blended XIRR of your entire portfolio.
Key Takeaways
XIRR is the correct method for returns on investments with multiple cash flows.
XIRR accounts for both amount and timing of each transaction.
Fund returns and investor returns can differ significantly.
XIRR is the industry standard for mutual fund SIP performance.
Regular XIRR monitoring helps make informed investment decisions.
Why This Matters
Most investors put money in over time, not all at once. XIRR is the only honest way to measure your actual returns on SIP and multi-transaction investments.
This calculator is for educational and planning purposes. Consult a qualified professional for personalized advice.