XIRR Calculator
CAGR assumes one lumpsum. Real investing rarely is — SIPs, top-ups, partial redemptions, all on different dates. XIRR is the return that actually accounts for when your money moved.
Enter your cash flows
Use negative amounts for money invested, positive for money received (redemptions and your current value, entered as if redeemed today).
Why XIRR, not CAGR
CAGR (Compound Annual Growth Rate) assumes a single investment made on day one that grows steadily to a single value on the last day. It's the right metric for judging a fund's own performance over a period — but it breaks down the moment you invest more than once, because it has no way to account for money that arrived later and had less time to grow.
XIRR (Extended Internal Rate of Return) solves for the single annualised rate that makes the present value of every cash flow — each investment, each top-up, each redemption, on its actual date — net to zero. It's solved iteratively (this calculator uses bisection) rather than with a closed-form formula, because with irregular dates and amounts there isn't one.
Use XIRR whenever you've invested via SIP, added lumpsums at different times, or made partial withdrawals. Use CAGR only when comparing true single lumpsum performance — for instance, benchmarking a fund's stated 5-year return.
Questions worth answering.
Earmark computes this automatically — per goal, not just per fund.
Upload your CAS once and see the real, goal-level return on every rupee you've earmarked.
Get started free