XIRR Calculator
XIRR is the one honest return number for money invested on different dates: SIPs, top-ups, bonuses. Enter your purchases and today's value; the calculator finds the annual rate that makes them match.
How it works, in one picture
What XIRR is
XIRR (extended internal rate of return) finds the single yearly rate at which every purchase, compounded from its own date, adds up to today's value. It is what Excel's =XIRR() computes. A SIP of ₹50,000 a year for 4 years worth ₹2.8 lakh in late 2026 is an XIRR of about 11%, even though the absolute gain looks like 40%.
XIRR vs CAGR vs absolute return
- Absolute return ignores time. 40% over 4 years and 40% over 10 years look the same.
- CAGR fixes time but assumes one lump sum at the start.
- XIRR fixes both: every rupee is credited only for the time it was actually invested. Use it for anything with SIPs, top-ups or partial redemptions.
How to get XIRR for your whole mutual fund portfolio
- Download your detailed CAMS + KFintech consolidated statement (CAS) PDF. It lists every transaction since you started.
- Import it into Capital Friends. The app reads every purchase, SIP, switch and redemption with its date.
- You get XIRR and CAGR for every fund, every portfolio and the family as a whole, and the money-in figure is the real cash that left your bank, not the cost of switched units.
XIRR for every fund, without typing a single cashflow
One CAMS statement gives every purchase, SIP, switch and redemption with its date.
- Flexi cap fund 7% below high₹28.4 L
- Multi asset fund₹13.3 L
- Global index fund SIP only₹11.4 L
- Bank FD · safe₹12 L
Every fund, SIP, switch and sale from one CAMS statement. Money-in is real cash, not switched profit. Each fund is compared with its own high every day.
- Retirement is 4% off its path · 1 step due
- Flexi cap fund is 7% below its high · information, not advice
- SIP ₹40,000 due on the 5th · term policy renews in 12 days
- Net worth, every account, every fund, nominees, loans: where everything is
Sent every morning from your own Gmail to the family members you choose. If something happens to you, they know where everything is.
Get XIRR for every fund, automatically
Stop typing cashflows. Import your CAMS statement into Capital Friends and get XIRR, CAGR, real money-in and profit for every fund, every portfolio and the whole family. Free and open source.
Frequently asked questions
Why is my XIRR lower than the fund's 5-year return?
The fund's return is for a lump sum invested 5 years ago. Your SIP instalments were invested later, many of them at higher NAVs, so your XIRR is usually lower in a rising market and higher in a falling one.
Does a switch count as a new investment in XIRR?
For your overall return, no: money switched between your own funds is not new cash. Many apps count it anyway and inflate the invested amount. Capital Friends tracks the real money-in separately.
How much data do I need?
At least one purchase with a date, and the current value with its date. More purchases make it more accurate. Redemptions can be entered as negative amounts if you edit the code; the app handles them automatically.
Is XIRR the same as IRR?
IRR assumes equal gaps between cashflows; XIRR uses actual dates. For SIPs with occasional top-ups or missed months, XIRR is the correct one.
More free tools
Annualised growth from a start value, end value and years.
Monthly SIP → value after N years, with optional yearly step-up.
One-time investment → future value at a given return.
All family funds from one CAS import, with real money-in, XIRR and CAGR.
Get your consolidated statement and import every transaction.
Assets minus loans, the number that shows real progress.
Calculators use the inputs you enter and standard formulas; results are estimates, not guarantees. Returns from mutual funds, stocks and other investments are not fixed and can be lower than assumed. Capital Friends is a tracking tool and is not a SEBI-registered investment adviser; nothing here is a recommendation to buy or sell any security.