Portfolio XIRR Calculator
Calculate XIRR (extended IRR) of your portfolio with multiple cash flows. Add buy, sell & dividend transactions.
Frequently Asked Questions
What is XIRR?
XIRR (Extended Internal Rate of Return) calculates the annualized return of a portfolio with irregular cash flows. Unlike CAGR which works for a single investment, XIRR handles multiple buys, sells, and SIPs at different dates.
How is XIRR different from CAGR?
CAGR assumes a single investment. XIRR handles multiple cash flows at different dates. For a portfolio with SIPs and partial redemptions, XIRR gives the true return while CAGR would be misleading.
What is a good XIRR?
An XIRR of 12-15% for equity investments is considered good over the long term. Above 15% is excellent. Compare your XIRR against Nifty 50 returns over the same period.
Can XIRR be negative?
Yes. If your portfolio value is less than total invested, XIRR will be negative, indicating you have lost money on an annualized basis.
How to calculate XIRR in Excel?
Use =XIRR(values, dates). Values should be negative for investments and positive for redemptions/current value. The last entry should be the current portfolio value as a positive number.