📊 XIRR Calculator

XIRR Calculator — Measure Your True Investment Returns

XIRR gives you the annualised return on any investment — monthly SIP, mutual funds, real estate, or bonds — even when cash flows happen at irregular dates and amounts.

Quick Examples
Cash Flows
■ Out = Investment ■ In = Return
Date Amount (Rs) Type
Your XIRR
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Add at least one investment and one return
XIRR (p.a.)
—
Total Invested
—
Total Received
—

Cash Flow Timeline

Investment (Out) Return (In)

XIRR vs Pakistan Benchmarks

Your XIRR
Calculated result
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KSE-100 (10yr avg)
~24% p.a.
24%
Money Market Fund
~20% p.a.
20%
NSS / Savings Certs
~15% p.a.
15%
Savings Account
~6% p.a.
6%

Cash Flow Breakdown

# Date Cash Flow Days PV at XIRR

How to Use the XIRR Calculator

  1. Add investments: Click "Add Row" and enter each amount you paid, with its date. Select Out (Investment) as the type. Or click a preset example to pre-fill typical cash flow patterns.
  2. Add returns: Enter dividends, partial redemptions, or the current portfolio value as positive inflows with their dates. Select In (Return).
  3. Read your XIRR: The annualised return is shown instantly. Positive XIRR = you made money. Higher is better.
  4. Compare with benchmarks: Check your XIRR against KSE-100, Money Market Funds, NSS, and Savings Accounts to see how your investment stacks up.
  5. Export: Download a PDF report or CSV for your records or further analysis in Excel.
💡 Live SIP Tip: Add all your past monthly SIP installments as Out flows, then add your current portfolio value as a single In flow with today's date. This gives you your real-time XIRR.
Related: SIP Calculator · CAGR Calculator · SWP Calculator

Frequently Asked Questions

What is XIRR and how is it different from CAGR?
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XIRR (Extended Internal Rate of Return) calculates the annualised return for investments with multiple cash flows at irregular time intervals. Unlike CAGR, which assumes a single lump-sum investment over a fixed period, XIRR handles many investments and withdrawals on different dates — making it ideal for SIP investments in Pakistani mutual funds. For example, if you invest Rs 10,000 every month, XIRR gives you the true annualised return accounting for every instalment's exact date.
How do I calculate XIRR for my mutual fund SIP in Pakistan?
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Add each monthly SIP instalment as a negative cash flow (Investment/Out) with its exact investment date. Then add the current NAV-based portfolio value as a positive cash flow (Return/In) with today's date. The XIRR result shows your true annualised return, accounting for the timing of each investment. Pakistani fund platforms like Meezan Funds and UBL Funds use the same XIRR method for your personal return.
What is a good XIRR for Pakistani mutual fund investments?
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Money Market Funds typically yield 18–22% p.a. (linked to SBP policy rate), Income/Bond Funds 15–20% p.a., and Equity Funds 20–30%+ over the long term. National Savings Schemes (NSS) offer 14–17% p.a. An XIRR above Pakistan's inflation rate (~10–15%) means your investment is growing in real terms. KSE-100 historical 10-year average is approximately 24% p.a.
Why does my XIRR show "No solution"?
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XIRR requires at least one Out (investment) and one In (return) cash flow. The algorithm may also fail if the cash flow pattern has no mathematical solution — for instance if total returns equal total investments exactly, or the pattern is unusual. Make sure you have both investment and return entries with valid dates, and that your return is either more or less than your total investment.
Can I use XIRR to evaluate real estate investment in Pakistan?
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Absolutely. Enter the purchase price and any renovation/maintenance costs as Out flows on their dates, rental income received as In flows, and the current market value (or final sale price) as a last In flow. XIRR gives you the true all-in annualised return on your property in PKR, accounting for every rupee that moved in and out.
Is XIRR the same as the "personal return" shown in mutual fund apps?
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Yes. Most Pakistani fund platforms (Meezan Funds, UBL Funds, Al Meezan, Faysal Funds) use XIRR to calculate your personal return — also called the "money-weighted return". It reflects the exact dates and amounts you invested, making it far more personalised than the fund's overall NAV growth percentage which is just CAGR.