Calculator
Irregular Cash Flow Return
When money goes in and out at uneven times, a simple percentage gain says almost nothing. This finds the annualised rate that makes all those flows balance, which is the only honest way to compare an irregular investment against a regular one.
Annualised return
Annualised return:9.1%
- Total put in
- ₹8,00,000
- Absolute gain
- ₹6,00,000
What this assumes
Every calculator here states what it took for granted. A result whose assumptions are hidden is not worth much.
- Contributions happen at the start of years 0, 1 and 3, and the value is received in the final year.
- The rate returned is the one that discounts every flow back to zero.
- No tax is deducted.
How to use it
- Enter what you put in and when.
- Enter what you received and in which year.
- Compare the annualised figure against what a plain SIP would have returned.
Illustrative only. Not a projection, not a guarantee, and not investment advice.
Common questions
Why can I not just divide the gain by what I put in?
Because money invested for seven years and money invested for two are not comparable. A simple percentage ignores time completely, which is why a policy that looks like it doubled your money can be a poor annualised return.
Is this the same as XIRR in a spreadsheet?
It is the same idea. A spreadsheet takes exact dates; this takes whole and part years, which is close enough for comparing options and easier to fill in.
A number is not a plan.
If this result raised a question, that is the useful part. Bring it in and we will work through what it means for your situation.