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Free tool

XIRR Calculator

Add every investment and withdrawal with its date to get your true annualised return โ€” perfect for SIPs, top-ups, or partial withdrawals made on different dates.

Your XIRR (annualised return)
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Total invested
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Total received
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Mark each entry as "Invested" (money going out of your pocket) or "Received" (money coming back โ€” redemptions, or today's current value). Add at least one of each with different dates to calculate XIRR.

Want help reading your actual returns?

Talk to Vignesh Dhayalan, AMFI Registered Mutual Fund Distributor (ARN 288927), for personalised guidance โ€” free via WhatsApp.

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Disclaimer
For illustration only. This calculator does not constitute investment advice. XIRR reflects your actual cash-flow timing and is a widely used way to measure real returns, but past returns do not guarantee future performance. Universal Money Mart (ARN: 288927, EUIN: E543710) is an AMFI Registered Mutual Fund Distributor.

Your data: This calculator runs entirely in your browser. No inputs you enter are stored, transmitted, or shared with anyone.