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Calculate returns on investments with irregular deposit and withdrawal dates
Current Portfolio Value
Total Gain
Approx XIRR
XIRR (Extended Internal Rate of Return) is CAGR's sophisticated cousin. While CAGR assumes you invest a lumpsum and wait, XIRR handles real-world scenarios: monthly SIPs, irregular additional investments, surprise withdrawals, unequal time gaps. XIRR calculates the exact annual return rate that makes your cash flows balance out. If you invested ₹1L in Jan, ₹50K in March, withdrew ₹30K in July, current value ₹1.5L in December—XIRR precisely calculates your actual return accounting for each transaction's timing. In India, XIRR is essential for: SIP investors (multiple monthly investments), business owners (irregular contributions), portfolio traders (frequent buys/sells), NRIs (currency-dated transactions), and inheritance/gift managers (multi-date inflows). Excel and Google Sheets use XIRR function; professional portfolios track it religiously. Most advanced investors and financial advisors obsess over XIRR because it's the truest return metric for complex real-life portfolios.
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This calculator is provided for informational and educational purposes only. While we strive for accuracy, results should be verified with official sources or by consulting qualified professionals. Tax laws, rates, and regulations are subject to change. GotRedFlags is not responsible for financial decisions made based on these tools.