Is this calculator free to use?

Yes, this calculator is 100% free. No signup, no hidden charges, no data collection. All calculations run locally in your browser.

How accurate are the results?

Results are calculated using industry-standard financial formulas used by banks and financial institutions. However, actual outcomes may vary based on market conditions and specific terms.

Can I use this for tax planning?

Yes, this calculator can help estimate tax implications. However, consult a Chartered Accountant for official tax filing and complex scenarios.

Does this work on mobile?

Yes, this calculator is fully responsive and works perfectly on all devices — mobile, tablet, and desktop. It also works offline as a PWA.

Are the interest rates updated?

We regularly update rates and tax slabs. However, always verify current rates with your bank or the official government portal before making decisions.

⚙️ JavaScript Required

This interactive XIRR Calculator requires JavaScript to function. Please enable JavaScript in your browser. The formulas, reference tables, and educational content below are still available.

XIRR Calculator

Calculate XIRR for SIP or irregular investments. Get the true annualized return when investment amounts and dates vary.

What is XIRR Calculator?

This XIRR calculator computes the Internal Rate of Return for cash flows occurring at irregular dates — essential for measuring actual SIP returns. Enter each SIP installment date and amount along with the current value to get your true annualized return.

Is my financial data safe?

Absolutely. All calculations happen locally in your browser. No data is sent to any server. Your financial information never leaves your device.

How to Use This Calculator

Enter your Total Amount Invested, Current Portfolio Value, Investment Duration in the input fields provided
Results are computed instantly as you enter or modify values — no need to click a button
Review the computed output showing your xirr results with a detailed breakdown
Use the results to compare financial scenarios, plan budgets, or verify lender and investment calculations

How XIRR Calculator is Calculated

This calculator uses the formula: XIRR = (Current Value / Invested)^(12/months) − 1. Where Invested = Total amount put in ; Current = Portfolio value today ; months = Duration. XIRR annualizes returns for irregular cash flows. Better than absolute return for comparison. All calculations run entirely in your browser — no data is transmitted to any server.

Frequently Asked Questions

Why is XIRR different from CAGR for SIPs?

CAGR assumes a single investment on day one. SIP invests monthly, so earlier installments compound longer while recent ones barely compound. XIRR weights each cash flow by its actual time in the market, giving the true return.

How do I interpret XIRR?

XIRR is your effective annual return. 15% XIRR means each rupee earned 15% per year on average, adjusted for when it was invested. Compare XIRR with the fund category average and benchmark index returns.

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Reviewed by Sagar Sahni

Founder & Lead Developer, Calc Labz · Last verified May 2026

Why Use This Calculator?

Making informed financial decisions requires accurate calculations, and XIRR Calculator delivers exactly that. In India, where financial literacy is rapidly growing with over 4 crore demat accounts and ₹20,000 crore monthly SIP inflows, having access to precise financial tools is essential. This calculator uses industry-standard formulas validated by chartered accountants and financial planners. Whether you are comparing investment options, planning tax savings, or evaluating loan offers, getting the numbers right can save you lakhs over time. All calculations run locally on your device — your financial data is never stored or transmitted.

What This Tool Offers

Instant XIRR Calculator calculation with validated formulas
Detailed step-by-step result breakdown
Works offline as a Progressive Web App
Completely free — no signup or data collection
Mobile-friendly responsive design
Save and share your results easily

Expert Tips

💡 Always verify results with a financial advisor for high-stakes decisions involving large amounts.
💡 Compare multiple scenarios — small changes in rates or tenure can have a massive impact over time.
💡 Consider inflation when planning long-term — ₹1 lakh today will be worth much less in 20 years.
💡 Keep records of your calculations for tax filing and financial planning.
💡 Use the related calculators below to get a complete financial picture.

Who Is This For?

Salaried professionals and business owners making financial decisions, chartered accountants and financial planners advising clients, students studying finance and commerce, and anyone making important money decisions in India.

📚 Complete Guide Available

Want to learn more? Read our comprehensive guide with detailed explanations, real-world examples, expert analysis, and actionable tips.

Read: XIRR Calculator: True Returns on SIP & Irregular Investm…

Disclaimer: This calculator provides estimates for informational purposes only. Actual outcomes may vary based on applicable rates, policies, and individual circumstances. Consult a qualified financial advisor or chartered accountant before making financial decisions. See our full Disclaimer.

Maintained by: Sagar Sahni, Calc Labz | Review: formula checks, worked examples, and periodic updates

Need a correction? Contact us with the calculator name, your inputs, and the issue you found.

Last updated: April 2026