Calculate annualized rate of return for irregular SIPs, mutual fund withdrawals, and cash flows.
Result
Solved using the Newton-Raphson numerical algorithm with bisection convergence safeguards.
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0 = Σ [ C_i / (1 + XIRR)^((d_i - d_0) / 365) ]
₹50k on 01-Jan-2024, ₹50k on 01-Jul-2024, Current value ₹1,35,000 on 01-Jan-2026.
XIRR: 18.24% annualized return.
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Open calculatorUse CAGR for single lump-sum investments held from start to finish. Use XIRR whenever there are multiple transactions occurring at irregular intervals (such as SIPs, step-ups, or partial redemptions).
In financial cash flow conventions, investments represent money leaving your pocket (negative outflow) while current value or redemptions represent money returning to you (positive inflow).
XIRR is the gold standard benchmark used by mutual fund platforms, brokers, and the National Stock Exchange (NSE) to measure the true rate of return across multiple tranches of invested capital.