Return Calculator (XIRR)

Find the true yearly return of any bond, fixed deposit, savings scheme, mutual fund or life insurance policy. Just enter the dates and amounts you put in and the dates and amounts you get back. Results update as you type.

Start here

Name of financial instrumentThis is a sample. Press “Clear everything” below before entering your own Your name (optional) Length of one periodUsed when you choose “End of period”. For repeating rows, one period is the repeat interval Do you want to compare the return with a benchmark rate, such as a bank deposit rate? Do you also want to see the return after inflation?

Nothing you type is saved or sent anywhere. Amounts are in rupees.

Your investments (money you put in)

One row for each deposit or premium. For amounts that repeat monthly or yearly, choose “Repeats” and “How many times”, so hundreds of instalments need only one row. “Beginning of period” means exactly the date you enter.

Your payouts (money you get back)

One row each for maturity, interest, survival benefit, dividend or withdrawal.

Current value, if still running (optional)

For a running holding such as a mutual fund, enter today's value and its date. It is treated as a final payout.

Current value (₹)Value as on date

Another way to add transactions: paste many at once

Instead of filling the rows above, you can copy many transactions from Excel or Notepad and paste them here. One entry per line: date first (DD/MM/YYYY), then the amount. Then press the button below to say whether they are investments or payouts. Thousands of entries are fine.

Your results

For the PDF, choose "Save as PDF" in the window that opens. The Excel file has the full cash-flow list and a live XIRR formula so you can cross-check. You can load it back later with "Load saved Excel".

How the calculation works

XIRR turns your whole investment into one easy number: a yearly interest rate. Suppose your investment behaved like a bank account that pays the same interest rate every year. Your amounts went in and out on different dates, yet XIRR tells you the rate that account would have been paying. So an XIRR of 7% means your investment did just as well as an account paying 7% a year. This one number can be compared directly with an FD rate, the PPF rate or any other option.

How it is found. The calculator tries different rates. For each rate it pretends that all your investments went into an account at that rate on their real dates, and that all your payouts were taken out of it on their real dates. The rate at which the account's result matches your real result exactly is the XIRR. For every amount the days passed ÷ 365 are counted, which is the method Excel's XIRR uses, so the two answers match.

Investments count as outflows and payouts as inflows. Amounts on the same day are added together. If the cash flow changes direction several times, more than one answer is possible, and the page shows a notice.

For education only. This is not investment, tax or financial advice. Results depend entirely on the entries you make. Returns are not guaranteed and taxes are not considered. Please speak to a SEBI-registered investment adviser, IRDAI-registered insurance advisor, Qualified Financial Planner or qualified tax consultant before making decisions.