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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.

Last reviewed: August 2026

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.

💡 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.

XIRR / Portfolio Return Calculator India Quick Answer

Quick Answer

How does this calculator work? It estimates Total invested, Amount-weighted holding period, and Absolute portfolio gain using inputs such as Investment 1 amount, Years since investment 1, and Investment 2 amount.

Formula

Uses an amount-weighted average holding period, then annualises the total portfolio gain as a closed-form CAGR approximation.

Example

Rs 1 lakh held five years, Rs 1.

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

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.

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, Investment 2 amount, and Years since investment 2
Primary outputsTotal invested, Amount-weighted holding period, Absolute portfolio gain, and Absolute portfolio return
Method referenceUses an amount-weighted average holding period, then annualises the total portfolio gain as a closed-form CAGR approximation.
Advice boundaryRupeeKit provides educational information only and does not provide personalized financial, tax, legal, investment, or loan advice.

Source and methodology

Last reviewed: August 2026

This calculator uses user-entered values and the formula logic shown on this page to generate educational estimates. Method reference: Uses an amount-weighted average holding period, then annualises the total portfolio gain as a closed-form CAGR approximation.

Inputs are processed in-page to show planning outputs. RupeeKit does not provide personalized financial, tax, legal, investment, or loan advice.

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.