Stax

حاسبة XIRR

احسب XIRR — العائد السنوي على استثمارات بتدفقات نقدية غير منتظمة. يُستخدم لعوائد SIP والعقارات والاستثمارات الملاك.

Enter cash flows: negative for money invested (outflow), positivefor redemptions / final value (inflow). The last row is usually today's portfolio value.

Date
Amount (₹)
 

What is an XIRR calculator?

An XIRR calculator solves the Internal Rate of Return equation for cash flows that occur at non-uniform dates. The math is iterative — there's no closed-form solution — so the calculator uses a Newton-Raphson method with a bisection fallback to converge on the rate that makes the NPV of all cash flows equal zero.

Why XIRR is the right metric for SIP returns

Imagine you SIP ₹10,000/month for 5 years and your portfolio is worth ₹8 lakh today. Total invested: ₹6 lakh. Naive return: 33% absolute. CAGR pretends it all went in at month 1: about 5.9%. XIRR — accounting for the actual timing of each ₹10k contribution — typically gives ~12–14%. The XIRR number is the one to compare across funds and benchmarks.

Common XIRR mistakes

Forgetting to include the current portfolio value as the last positive cash flow. Mixing up sign conventions (treating SIPs as positive). Using monthly instead of daily timing precision (this calculator uses daily — paste exact dates from your CAS). For Indian mutual funds, the easiest way is to download your CAS from CAMS or KFintech, which lists every transaction date and amount.

الأسئلة الشائعة

What is XIRR?
XIRR (Extended Internal Rate of Return) is the annualized return on a series of cash flows that occur at irregular dates. It's the standard metric for measuring SIP returns, mutual fund portfolios, real estate investments, and angel/PE deals — anything with non-uniform timing.
How is XIRR different from CAGR?
CAGR assumes a single inflow and a single outflow. It works for lumpsum investments — you put in ₹X today, you have ₹Y after N years, here's the rate. XIRR handles multiple inflows and outflows on different dates. SIPs, in particular, must use XIRR — CAGR will mislead you.
What's the input format?
Negative amounts = outflows (money you put in: SIP installments, lumpsum buys). Positive amounts = inflows (money coming back: redemptions, dividends, current portfolio value). The last entry is typically today's date with the current value as a positive amount.
Why do my SIPs show different XIRR than CAGR?
Because XIRR weights early investments more heavily. ₹5,000 invested in month 1 has 12 months to grow; ₹5,000 invested in month 12 has zero. CAGR treats the total invested as if it all went in at once — overstating the return. XIRR is the honest number.
What's a 'good' XIRR for mutual funds?
Long-term: 10–14% for diversified equity, 7–9% for hybrid, 5–8% for debt funds (post-tax). Below 8% over 5+ years suggests poor fund choice or unfortunate timing. Above 18% over 10+ years usually means concentrated bets that may not repeat. The Nifty 50 has delivered ~12% XIRR over the last 20 years for monthly SIPs.

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