Tip: Enter investments as negative numbers (e.g. -10,000) and withdrawals or current valuation as positive numbers (e.g. 15,000).
Annualized Return (XIRR)
15.00%
When you invest in the stock market, you rarely just drop a lump sum into an account and never touch it again. Most people invest a little bit from every paycheck, make occasional bonus deposits, and sometimes withdraw money for large purchases. Because these cash flows happen at irregular intervals, standard return metrics like absolute return or CAGR are wildly inaccurate.
Extended Internal Rate of Return (XIRR) is the most accurate way to measure the performance of a real-world portfolio. It assigns a specific "weight" to each dollar based on exactly how long that dollar has been invested in the market.
For example, if you invested $1,000 ten years ago, and $1,000 yesterday, your total investment is $2,000. If your portfolio is worth $3,000 today, an absolute return calculation would say you made 50%. But that ignores the fact that half of your money has only been in the market for one day! XIRR solves this by acting like a personalized, time-weighted CAGR.
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Review the charts
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Analyze the results
Look at the summary cards and tables to understand your total invested amount, estimated returns, and final corpus.
XIRR stands for Extended Internal Rate of Return. It is a metric used to calculate the annualized return of an investment when cash flows (deposits and withdrawals) occur at irregular intervals.
CAGR (Compound Annual Growth Rate) measures the return of a single lump-sum investment over a period of time. XIRR is used when you make multiple investments or withdrawals at different times (like a monthly DCA or SIP). XIRR accounts for the specific dates of every transaction.
In financial calculations like XIRR, cash flow direction matters. Money leaving your pocket (investments or deposits) is considered a negative cash flow. Money coming back to you (current valuation or withdrawals) is a positive cash flow.
A "good" XIRR depends on the asset class. Historically, a diversified US stock market portfolio (like the S&P 500) has returned roughly 9-10% annualized over the long term. If your portfolio XIRR over 5-10 years is close to or beats that benchmark, you are doing very well.