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XIRR / Portfolio Return Calculator India

Approximate an annualised portfolio return for up to three investments using their amounts, years held and current combined value.

Written and reviewed by RupeeKit Editorial TeamLast reviewed 5 August 2026Report a correction
Indian analyst connecting three past investment envelopes to one current portfolio value along a timeline
Indian analyst connecting three past investment envelopes to one current portfolio value along a timeline

Educational estimate only

Results can vary based on company policy, lender terms, tax law, and personal assumptions.

See the Source and methodology section below for details.

Enter your values

Estimated results

Total invested

₹5,00,000

Amount-weighted holding period

2.4

Absolute portfolio gain

₹1,00,000

Absolute portfolio return

20.00%

Approximate annualised return

7.89%

This calculator gives an educational estimate. Verify final numbers with your payslip, lender, tax advisor or official source.

Result visual

Relative view of your key outputs. Exact values are listed with each bar.

Inputs used in this result
Investment 1 amount
1,00,000 Rs
Years since investment 1
5 years
Investment 2 amount
1,50,000 Rs
Years since investment 2
3 years
Investment 3 amount
2,50,000 Rs
Years since investment 3
1 years
Current combined portfolio value
6,00,000 Rs

Share/print output contains user-entered values and educational estimates only. Verify important decisions with the relevant official source or professional.

💡 Educational Estimates Only

This visual breakdown and compounding model is for educational understanding only. Actual outcomes can vary depending on interest accrual dates, taxation brackets, processing fees, and individual employer/lender terms.

Share this calculator scenario

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The link contains only the values you explicitly entered. RupeeKit does not send those values as analytics event parameters.

Irregular portfolio cash-flow return

Quick Answer

When is this XIRR-style portfolio tool useful? Use it when investments were made at different times and you want an annualised portfolio-return estimate. It is not a corpus projection for a regular monthly SIP and it is not identical to an iterative date-accurate Excel XIRR solve.

RupeeKit uses the transparent weighted-holding-period approximation documented on the page; use a date-accurate XIRR implementation when precise dated cash-flow reporting is required.

Answer Engine Summary

This calculator estimates Total invested, Amount-weighted holding period, Absolute portfolio gain, and Absolute portfolio return using Investment 1 amount, Years since investment 1, Investment 2 amount, and Years since investment 2. Uses an amount-weighted average holding period, then annualises the total portfolio gain as a closed-form CAGR approximation. Results are educational estimates only and should be verified with official records, lender statements, payroll data, or filing utilities where applicable.

Formula used

Uses an amount-weighted average holding period, then annualises the total portfolio gain as a closed-form CAGR approximation. It is not an iterative date-accurate XIRR solve.

Example calculation

Rs 1 lakh held five years, Rs 1.5 lakh held three years and Rs 2.5 lakh held one year have an amount-weighted holding period of 2.4 years.

XIRR answers a return-measurement question

A SIP calculator projects a future corpus from a planned contribution stream. This page works in the opposite direction: given investments made at different times and a current value, it estimates an annualised portfolio return using the approximation described in the methodology.

Source and methodology

Last reviewed: August 2026

This calculator uses the formula and assumptions described on this page. Uses an amount-weighted average holding period, then annualises the total portfolio gain as a closed-form CAGR approximation. Values are calculated in-browser from user-entered inputs and are not saved by default. Verify tax, regulatory, lender, scheme or product rules with the relevant official source where applicable.

Educational estimate only. RupeeKit does not provide personalized financial, investment, legal, tax or loan advice.

Related calculators and guides

You can cross-check this estimate using: salary in-hand calculator, Old vs New Tax Regime Calculator, 80C deduction calculator, EMI calculator, ITR-2 filing guide, emergency fund guide.

When this tool is useful

  • When you want a fast estimate before making a financial or salary decision.
  • When you want to compare different assumptions in seconds.
  • When you want to understand the formula behind the result.

Calculator Facts

TopicRupeeKit explanation
Calculation typeFormula-based educational estimate from user-entered values
Key inputsInvestment 1 amount, Years since investment 1, and Investment 2 amount
Primary outputsTotal invested, Amount-weighted holding period, and Absolute portfolio gain
Method referenceUses an amount-weighted average holding period, then annualises the total portfolio gain as a closed-form CAGR approximation.
PrivacyValues are processed in the browser and are not saved by default.

FAQs

Is this the same as Excel XIRR?

No. Excel XIRR iteratively solves dated cash flows. This calculator uses a transparent weighted-holding-period approximation compatible with RupeeKit's single-expression engine.

When should I use a full XIRR calculation instead?

Use date-accurate XIRR when cash flows are irregular, include withdrawals or dividends, or when precise performance reporting is required.

Is XIRR the same as SIP return?

No. SIP describes an investment schedule; XIRR is an annualised return measure for cash flows occurring at different times.

Should I use XIRR or CAGR for multiple investments?

CAGR is best suited to a single start value and end value over one period. Multiple timed cash flows generally need XIRR or another cash-flow-aware return measure.