XIRR Calculator
What Is XIRR?
XIRR (Extended Internal Rate of Return) is a method used to calculate the actual annualised rate of return on an investment when money goes in and out on different dates.
This makes it useful for traded endowment policies, where you may pay an initial purchase amount, continue paying premiums at different points in time, and receive a lump-sum payout when the policy matures.
Instead of treating every payment as if it happened at regular intervals, XIRR looks at the exact date and amount of each cash flow. The result is a clearer yearly return figure that reflects the real timing of your investment.
XIRR Calculator
Enter the policy details below
Purchase Details
Premium Details
Bonus Details (If Applicable)
Maturity Details
How to use this calculator
- 1
Enter the date you purchased (or plan to purchase) the policy, and the initial investment amount.
- 2
Enter the premium amount, frequency, first premium date, and last premium date.
- 3
If bonuses apply, enter the bonus amount, frequency, first bonus date, and last bonus date. Then enter the policy maturity date and projected maturity value shown in the policy illustration.
- 4
Once all fields are filled, the result updates automatically and shows your annualised rate of return based on the exact timing of every cash flow.
- 5
The cash flow table shows every premium payment and the final maturity payout used in the calculation.
Interested in a policy from our list?
Browse our currently available resale insurance policies, complete with projected returns and downloadable documents, or WhatsApp us if you have any enquiries.