XIRR Returns Calculator

Published: November 20, 2012 at 5:24 pm

Last Updated on

You can use this calculator to determine the compounded annualized growth rate on your investments like endowment policies, ULIPS, Chit funds or any investments where you have made some payments and received some money either periodically or as a lump sum at the end.

You will be surprised how easy it is to calculate this using Excel. This is done using a function called XIRR (internal rate of return for irregular payments).

Join our 1300+ Facebook Group on Portfolio Management! Losing sleep over the markt crash? Don't! You can now reduce fear, doubt and uncertainty while investing for your financial goals! Sign up for our lectures on goal-based portfolio management and join our exclusive Facebook Community

Download the XIRR Returns Calculator


Join our 1300+ Facebook Group on Portfolio Management! Do not lose sleep over your bleeding portfolio: Learn how to reduce fear, doubt and uncertainty while investing for financial goals! Sign up for our lectures on goal-based portfolio management and join our exclusive Facebook Community

Hate ads but would like to support the site? Subscribe to our ad-free newsletter and get beautifully formatted full articles delivered to your inbox!

About the Author

Pattabiraman editor freefincalM. Pattabiraman(PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras. since Aug 2006. Connect with him via Twitter or Linkedin Pattabiraman has co-authored two print-books, You can be rich too with goal-based investing (CNBC TV18) and Gamechanger and seven other free e-books on various topics of money management. He is a patron and co-founder of “Fee-only India” an organisation to promote unbiased, commission-free investment advice.
He conducts free money management sessions for corporates and associations on the basis of money management. Previous engagements include World Bank, RBI, BHEL, Asian Paints, Cognizant, Madras Atomic Power Station, Honeywell, Tamil Nadu Investors Association. For speaking engagements write to pattu [at] freefincal [dot] com

About freefincal & its content policy

Freefincal is a News Media Organization dedicated to providing original analysis, reports, reviews and insights on developments in mutual funds, stocks, investing, retirement and personal finance. We do so without conflict of interest and bias. We operate in a non-profit manner. All revenue is used only for expenses and for the future growth of the site. Follow us on Google News
Freefincal serves more than one million readers a year (2.5 million page views) with articles based only on factual information and detailed analysis by its authors. All statements made will be verified from credible and knowledgeable sources before publication.Freefincal does not publish any kind of paid articles, promotions or PR, satire or opinions without data. All opinions presented will only be inferences backed by verifiable, reproducible evidence/data. Contact information: letters {at} freefincal {dot} com (sponsored posts or paid collaborations will not be entertained)

Connect with us on social media

Our Publications

You Can Be Rich Too with Goal-Based Investing

You can be rich too with goal based investingThis book is meant to help you ask the right questions, seek the right answers and since it comes with nine online calculators, you can also create custom solutions for your lifestyle! Get it now. It is also available in Kindle format.

Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You Want

Gamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you wantThis book is meant for young earners to get their basics right from day one! It will also help you travel to exotic places at low cost! Get it or gift it to a young earner

Your Ultimate Guide to Travel


This is a deep dive analysis into vacation planning, finding cheap flights, budget accommodation, what to do when traveling, how traveling slowly is better financially and psychologically with links to the web pages and hand-holding at every step. Get the pdf for Rs 199 (instant download) 

Free Apps for your Android Phone

Comment Policy

Your thoughts are the driving force behind our work. We welcome criticism and differing opinions.Please do not include hyperlinks or email ids in the comment body. Such comments will be moderated and I reserve the right to delete the entire comment or remove the links before approving them.


    1. Thanks. It is easy to replace XIRR with Newton Raphson. However what remains to be see is if NR method is reliable all the time. Will give it a try soon. Thank you so much for sharing

  1. in template given by you there is provision of 50 or so entries. whether can we add more entries , say 200-300 in that template?

  2. thank you very much for your modified file. i have made @202 odd entries of our family equity mfs portfolio w.e.f.1-07-2009 (the date from which i moved consciously from direct equity to equity mfs) and found the combined cagr. @15% ,which is satisfactory to me. i will compare it with that available by using your final version of template for mutual fund and financial goal tracker . i found entering the data very interesting and useful .thank you

  3. Hi Pattu,
    Thanks for your post, I got a big doubt on CAGR for two different portfolios. I have two portfolio of investments, one through broker and another through direct mode .

    The broker website is giving me reports with CAGR. For the direct mode, I am calculating the CAGR using your calculator.

    My doubt is how do I calculate the overall CAGR for my entire portfolio ? I am sure that average will not work here 🙂

    Only one way I could think of is to extract the individual transactions from broker’s report and use that data along with my direct portfolio transactions. But this is cumbersome for me.. is there any other formula’s are tricks available ? 🙂

    1. You will have calculate CAGR with XIRR for ALL the transactions in both portfolios combined. If you use the automated mf and financial goal tracker, this process is automated.

  4. Dear Pattu :

    I downloaded the XIRR Returns Calculator. After I feed in the data in the first 3 columns – date, paid or received and amount – how do I calculate the XIRR. Please guide me as I am not able to.


Leave a Reply

Your email address will not be published. Required fields are marked *