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XIRR Calculator

Calculate returns for irregular cash flows.

%
Yrs

Scenario Analysis (Assumed Returns)

Conservative

10%

33,637

Base

12%

48,231

Higher

14%

68,717

Labels are estimates based on your base rate (12%).

Estimated Maturity Value

₹0

Total Principal

₹5,000

Estimated Returns

₹0

Portfolio Mix

Invested
Returns

Growth Curve

Visual graph available for compounding tools

You invest ₹5,000 every month for 20 years. At an estimated 12% annual return, your total investment is ₹0 and the estimated total value is approximately ₹0. Around ₹0 represents estimated growth.

Next Architectural Steps

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How it works

Extended Internal Rate of Return (XIRR) is used when you have multiple investments and withdrawals at different dates.

The formula

Internal Rate of Return for non-periodic cash flows
CF
Cash Flows
D
Dates

Worked example

Investing different amounts every few months and checking overall return.

Pro tips

  • Use this for mutual fund portfolios with SIPs and lumpsums.

Common mistakes

  • Comparing CAGR with XIRR for irregular flows.

Go deeper

Related lessons

Concepts to explore

XIRR vs CAGR

Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.