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Measure dated policy cash-flow returns using actual premiums and actual surrender, paid-up or maturity values instead of headline illustrations.
Enter the facts and calculate. The result appears here.
Measure dated policy cash-flow returns using actual premiums and actual surrender, paid-up or maturity values instead of headline illustrations.
Traditional policy illustrations can be difficult to compare with bank deposits, debt funds or other alternatives because premiums and benefits occur on different dates. XIRR puts the actual dated cash flows onto one annualised return measure.
The tool never manufactures a surrender-value factor. Users should enter the actual value quoted by the insurer or stated by the policy framework, and create separate scenarios for surrender, paid-up continuation and maturity where relevant.
Guaranteed and non-guaranteed benefits should be modelled separately. Combining an assumed future bonus with a guaranteed amount without labelling it would create false precision.
XIRR is only one lens. Insurance protection value, tax treatment, liquidity, mortality cover and the consequences of surrender/paid-up status should be reviewed alongside investment return.
Every field below changes the result. They are listed exactly as the form asks for them.
| Field | Type | What it controls |
|---|---|---|
| Dated policy cash flows | Value |
XIRR solves the discount rate r for which Σ CashFlowᵢ/(1+r)^(daysᵢ/365) = 0.
The engine validates required values before calculating and rejects impossible combinations instead of converting them to zero silently. Dates, thresholds and category switches that drive the result remain visible to the user.
The logic on this page is built from the instrument(s) below. Where a rule did not clearly cover a scenario, that scenario is excluded rather than estimated.
The most common error in regulated calculations is not arithmetic; it is putting the facts into the wrong legal or product category. Check the transaction, entity, holding, policy or taxpayer classification before relying on the number.
Keep statements, acknowledgements, invoices, policy schedules, complaint IDs, tax workings or orders that support the inputs. A number without an evidence trail is difficult to defend in a complaint, return, claim or review.
Rules can change. This page records a source-check date, not a fabricated professional review date. If the event belongs to an older period, confirm that the rule version used here applies to that period.
Yes. Cash paid by you is entered as a negative flow; money received is positive.
Yes, but use separate cash-flow scenarios rather than mixing mutually exclusive outcomes.
No. It measures cash flows, not the economic value of mortality protection.
You can model a scenario, but label it clearly as non-guaranteed and test lower values too.
There must be at least one negative and one positive cash flow, and some cash-flow patterns can have no unique economically meaningful solution.
Source links below are the authority trail used to design the current rule logic. They remain more important than a generic secondary explainer.
Source checked: 14 August 2026. This denotes source verification for the package, not CA/legal review or approval of the individual case.
These cover adjacent decisions. Each owns a different question, so use the one that matches your actual event.
This calculator is published for general information and educational purposes only. It is not legal, tax, accounting or investment advice, is not personalised to your circumstances, and is not a substitute for reading the governing instrument or taking professional advice on your facts. Finin2min records a source-check date, which denotes verification of the authority trail and not a professional review or approval of any individual case.
Scope: Computes interest on delayed GST tax payment under Section 50 of the CGST Act.
Review status: reviewed and approved by CA Nikhil Gupta on 19 July 2026.
Background, worked examples and the rules behind these numbers.