XIRR Returns Calculator

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).

Download the XIRR Returns Calculator


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11 thoughts on “XIRR Returns Calculator

    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. for equity a/c with broker we have to add current valuation(ASSUMING IT IS RECEIVED?) to get proper XIIR?

  5. 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.


    1. After all entries are keyed in, you should see the XIRR to the right of the entries.

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