XIRR Calculator - Extended Internal Rate of Return Calculator

Your XIRRXIRR is the annualized return
for irregular cash flows over time.

39%

Wealth Projection

Calculating the return on an SIP investment can be challenging, especially with irregular investments and withdrawals. Using the XIRR calculator online can help you calculate the returns on each instalment.

What is an XIRR Calculator?

The extended internal rate of return (XIRR) helps calculate the returns in an investment with multiple transactions. To receive the current value of your investment, you can use XIRR on every single investment.

XIRR is the most suitable metric as it considers all the transactions and is more accurate, especially for SIPs and SWPs.

How to use BlinkX’s XIRR Calculator?

You can easily calculate your XIRR by using our XIRR calculator. To calculate, you must follow the steps below:

Step 1: Enter the start date and maturity date
Step 2: Select the investment frequency.
Step 3: Enter the maturity amount.

Your XIRR will be displayed on the screen.

Steps to Calculate XIRR in Excel

You can calculate XIRR in Excel by following the below steps:

Step 1: Input all transactions in one column.
Step 2: Mark investment or purchase of security as negative
Step 3: Mark redemptions as positive
Step 4: Create another column and enter the dates for the corresponding transactions.
Step 5: Use the Excel function ‘XIRR (value, dates, guess).

When to Use XIRR?

You can use XIRR when the transactions are spread over time. It provides a more accurate measure on showing how your investment has grown over time. It is effective as it considers the timing of transactions.

For example, XIRR is useful if you have made irregular investments or withdrawn from the investment.

Difference Between CAGR and XIRR

Feature	CAGR (Compound Annual Growth Rate)	XIRR (Extended Internal Rate of Return)
Definition	It measures average annual growth rate over a period	It measures returns considering irregular cash flows and dates
Cash Flow Type	CAGR assumes a single investment and single redemption	XIRR supports multiple investments and withdrawals
Timing of Cash Flows	It assumes investment happens at the start and redemption at the end	It considers the actual dates of cash flows
Accuracy for SIPs	It is considered less accurate for SIPs or staggered investments	It is more accurate for SIPs and irregular investments.
Use Case	It is used for lump sum investments	It is ideal for SIPs, STPs, and multiple cash flows.

Benefits of XIRR Calculator

Using the XIRR calculator can benefit you in the following ways:

You are assured that you get accurate returns every time you use BlinkX’s XIRR calculator.
You can avoid using the traditional method of calculating your investment returns, avoiding unnecessary errors.
You get the annualised rate of return on your investment. This allows you to understand the growth rate of your investment on an annual basis.
Using the XIRR calculator, you can identify investment types that generate better returns.

Disclaimer: This tool provides information for general guidance only and does not offer any warranties, either express or implied, as to the accuracy, completeness, or reliability of the content. Please read all scheme-related documents carefully before investing.

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