Calculate XIRR, CAGR, SIP returns, EMI payments, and compound interest with our comprehensive suite of financial tools. Make informed investment and loan decisions with accurate calculations.
Calculate the Extended Internal Rate of Return (XIRR) for your investment portfolio with irregular cash flows. XIRR helps determine the annualized return rate considering the timing of cash flows, making it ideal for SIP investments, mutual funds, and other irregular investment patterns.
XIRR uses the Newton-Raphson method to find the rate that makes the Net Present Value (NPV) of all cash flows equal to zero. The formula is: NPV = Σ [Cash Flow / (1 + XIRR)^((Date - Date₀)/365)] = 0
Calculate the Compound Annual Growth Rate (CAGR) to measure the mean annual growth rate of your investments over a specified time period. CAGR provides a smoothed annual return rate, perfect for comparing different investment options and understanding long-term growth potential.
CAGR is calculated using the formula: CAGR = (Ending Value / Beginning Value)^(1/Number of Years) - 1. It represents the geometric progression ratio that provides a constant rate of return over the time period.
Calculate Systematic Investment Plan (SIP) returns to plan your mutual fund investments. This SIP calculator helps determine the future value of your monthly investments, showing total corpus and wealth gained through regular investing with compound growth over time.
SIP future value is calculated using: FV = P × [((1 + i)^n - 1) × (1 + i)] / i, where P is monthly investment, i is monthly return rate (annual rate / 12), and n is total number of months.
Calculate Equated Monthly Installment (EMI) for home loans, personal loans, and car loans. This EMI calculator helps determine your monthly payment amount, total interest payable, and total payment over the loan tenure to plan your loan repayment strategy.
EMI is calculated using: EMI = [P × r × (1 + r)^n] / [(1 + r)^n - 1], where P is principal loan amount, r is monthly interest rate (annual rate / 12 / 100), and n is loan tenure in months.
Calculate compound interest to understand how your money grows over time with different compounding frequencies. This compound interest calculator shows the power of compounding by calculating future value and interest earned on your principal investment.
Compound interest is calculated using: A = P(1 + r/n)^(nt), where A is final amount, P is principal, r is annual interest rate, n is compounding frequency per year, and t is time in years.
XIRR (Extended Internal Rate of Return) is the annualized return that handles irregular cash-flow dates—ideal for SIPs or any investment with deposits and withdrawals that aren’t perfectly periodic.
CAGR assumes one lump-sum investment and one lump-sum exit over a set period, while XIRR factors in every dated cash flow. Use CAGR to compare straight-line growth; use XIRR for real-life investments with multiple transactions.
Yes. A negative XIRR means your outflows exceeded the current value of inflows—i.e., the investment lost money on an annualized basis.
It applies CAGR % = [(Final Value ÷ Beginning Value)^(1 ÷ Years) – 1]×100.
Choose CAGR for single-purchase, single-sale scenarios (e.g., stock held five years); pick XIRR for SIPs, partial redemptions, or any schedule with multiple cash flows.
EMI = P × r × (1 + r)n ÷ [(1 + r)n – 1], where P is principal, r is monthly rate, and n is number of instalments.
Our SIP tool compounds monthly, assumes a constant projected return, and shows both corpus value and wealth gain at maturity.
Compound interest is “interest on interest.” Amount = P × (1 + r/n)nt; the interest earned each period is added back to the principal for the next calculation cycle.
Yes. FinCalc Suite runs entirely in your browser—no fees, no sign-ups, no data collection.
No. All inputs stay in local memory for the session only; nothing is sent to a server or saved after you close the page.