XIRR Calculator
Calculate annualised portfolio returns for SIPs and staggered investments using XIRR.
XIRR
19.37%
Annualised return after timing each monthly investment
Total Invested
₹7.00 L
Current Value
₹12.00 L
Gain / Loss
₹5.00 L
Absolute Return
71.43%
XIRR vs CAGR
For SIPs and portfolios with recurring purchases, XIRR is usually more useful than simple CAGR because each investment has a different holding period.
XIRR Calculator visual insights
Future value
₹50.46 L
Growth
₹32.46 L
How to Use This Calculator
Enter Amount
Set your loan amount or investment using the slider or input field.
Set Rate & Tenure
Adjust the interest rate and time period to match your scenario.
Get Results
See your EMI, total interest, and full payment breakdown instantly.
Share & Plan
Share the result link or download the amortization schedule as PDF.
About XIRR Calculator
XIRR Calculator helps you estimate investment growth, required contribution, annualised return, and future corpus using India-focused assumptions and INR formatting. Calculate annualised portfolio returns for SIPs and staggered investments using XIRR.
This tool is useful for Indian investors planning SIPs, mutual funds, deposits, inflation-adjusted goals, and portfolio returns. It is designed for quick planning before comparing bank offers, investment options, tax choices, or scheme rules with a qualified professional.
The calculations are tailored for users in India and use Indian number formatting, rupee values, and locally relevant finance terms wherever applicable.
Results are estimates for education and planning. Final decisions should use official documents, lender statements, scheme rules, tax notices, or advice from a qualified professional.
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Methodology & Formulas
All formulas used here comply with RBI guidelines and standard Indian financial conventions. Calculators are updated for FY 2026–27.
Last updated: April 2026