XIRR Calculator

An XIRR (Extended Internal Rate of Return) calculator is an online financial tool that computes the annualised return of an investment with irregular cash flows — multiple investments made at different dates and amounts, and one or more redemption amounts — by finding the single discount rate that equates all present values of cash flows to zero. Unlike simple CAGR (which only handles a single investment and single redemption), XIRR is the correct return metric for SIP investments where contributions are made monthly at varying NAVs, partial redemptions occur, and the investment duration is not uniform. XIRR is calculated as the rate that satisfies: Σ [Cash Flow_t ÷ (1+XIRR)^(t/365)] = 0, where t is the number of days from the reference date. In India, XIRR is the standard return metric used by mutual fund platforms, portfolio trackers, and SEBI-mandated account statements to report personalised investor returns on SIP portfolios. It is more accurate than point-to-point NAV comparisons because it accounts for the timing and amount of each individual investment. Ventura's XIRR calculator allows investors to input their actual transaction history — purchase dates, amounts, and current value — to compute their true personalised portfolio return, which may differ significantly from the fund's published category return depending on their individual investment timing decisions.