XIRR Calculator 2025: Smart Returns or Risky Growth?
The XIRR Calculator (Extended Internal Rate of Return) helps investors easily calculate annualized returns on SIPs, mutual funds, and portfolios with irregular cash flows. It computes accurate ROI and CAGR comparisons instantly, letting you analyze true performance and make smarter investment decisions.
Cash Flow Timeline
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FAQs for XIRR / XIRP Calculator (Extended Internal Rate of Return)
1. What is an XIRR Calculator?
An XIRR Calculator (Extended Internal Rate of Return) helps you quickly and easily calculate the annualized return of investments with irregular cash flows — such as SIPs, mutual funds, or stock portfolios. It computes accurate results directly in your browser, without any Excel formula setup.
2. How does the XIRR Calculator work?
The XIRR calculator uses the Extended Internal Rate of Return (XIRR) formula to calculate annualized returns for cash flows that occur on different dates or amounts. It determines the true ROI by discounting each transaction date to its present value, giving you a realistic measure of profitability.
3. Why should investors use the XIRR Calculator?
Unlike CAGR or simple ROI, XIRR considers timing and irregular cash flows, making it ideal for SIP, mutual fund, NPS, or portfolio return calculations. It’s the best tool for determining actual investment performance.
4. How to calculate XIRR manually or in Excel?
You can calculate XIRR in Microsoft Excel or Google Sheets using the =XIRR(values, dates) function.
However, with QuickGlobalMart’s XIRR Calculator, you just enter dates and amounts, and it instantly computes your extended internal rate of return online — no spreadsheet needed.
5. What’s the difference between XIRR and IRR?
IRR (Internal Rate of Return): assumes regular, periodic cash flows.
XIRR (Extended IRR): handles irregular investments and withdrawals.
Use our IRR vs XIRR calculator to see how XIRR gives more accurate results for real-life investments.
6. How is XIRR different from CAGR?
CAGR shows average annual growth assuming a single lump sum investment, while XIRR accounts for multiple transactions over time (SIPs, redemptions, etc.).
Use our XIRR vs CAGR calculator to compare both for your mutual fund or SIP portfolio.
7. What types of investments can I analyze using XIRR?
You can use the XIRR calculator for:
SIP & lumpsum investments
Mutual funds and equity portfolios
Fixed deposits and post office schemes
NPS, PPF, and retirement corpus planning
Corporate and project finance returns
8. How to calculate SIP returns using XIRR?
To calculate SIP returns:
Enter all investment dates and amounts.
Add your current portfolio value as the final inflow.
The calculator will instantly compute your annualized return (XIRR %).
Try our SIP XIRR calculator for quick, accurate results.
9. What is a good XIRR return percentage?
A good XIRR depends on your asset type and risk level:
Equity mutual funds: 10–15%
Hybrid funds: 8–10%
Debt funds or FDs: 6–8%
Use our investment XIRR calculator to benchmark your returns easily.
10. Can XIRR be negative?
Yes. If your investment has losses or your withdrawals exceed deposits, the XIRR result can be negative, indicating a loss over time.
11. What causes differences between Excel XIRR and Online XIRR Calculator results?
Minor rounding differences or incorrect date formatting can cause mismatched results.
Our web-based XIRR calculator uses the same mathematical model as Excel’s =XIRR() function, ensuring accurate and consistent results.
12. How do I use the XIRR calculator on QuickGlobalMart?
Enter your portfolio name, dates, and transaction amounts
Click Calculate XIRR
You’ll instantly get your annualized return rate, maturity projection, and performance chart.
13. What are the advantages of using the online XIRR calculator?
✅ Fast and browser-based — no Excel needed
✅ Handles multiple investments and redemptions
✅ Shows real-time ROI and annualized returns
✅ Works for SIP, NPS, ULIP, and corporate portfolios
✅ Provides PDF / Excel download options
14. What is XIRP (Extended Internal Rate of Return for Projects)?
XIRP Calculator is an advanced version of XIRR used in long-term project finance. It calculates extended IRR considering variable time gaps, reinvestment rates, and partial cash recoveries — perfect for business analysts and corporate finance teams.
15. How does XIRR help investors compare different investments?
By normalizing returns into an annualized percentage, XIRR allows you to compare mutual funds, SIPs, FDs, and ULIPs on equal terms.
Use our XIRR vs ROI calculator to identify which investment gives the best true yield.
16. Is QuickGlobalMart’s XIRR Calculator secure?
Yes — it’s a secure, ad-free, and reliable XIRR calculator that performs calculations locally in your browser. Your investment data is not uploaded or stored on any server.