Can I include tax refunds?

Yes. Enter a negative manual tax amount on the credit’s actual date.

What happens when there is more than one XIRR?

The tool reports the roots rather than choosing one; use NPV at the required return to compare.

How do I include an investment still held?

Enter a remaining value, valuation date, FX and estimated liquidation tax. Avoid duplicating a maturity receipt already in the table.

NRI & International · India / home country

Home-Currency Investment Return & XIRR Calculator

Calculate dated investment XIRR and NPV in INR and your home currency, before and after manually entered taxes and fees.

Enter your details

Values you enterComputed values

Scope: Dated cash-flow analysis in INR and home currency. FX, tax and remaining investment values are entered; exemptions and future rates are not determined.

Currencies

Home currency

Dates

Present-value date

Assumptions

Required annual return / discount rate %

Remaining investment

Remaining value ₹ (0 if already received)

Remaining-value date

Verified estimated liquidation tax ₹

Manual estimate applied at the remaining-value date. Used only when remaining value is above zero.

INR per home-currency unit at valuation

Dated investment cash flows

Enter actual or proposed INR transactions and transaction-date FX. Manual tax may be negative for a refund. Add separate rows for fees or taxes paid on different dates.

Row 1

Cash-flow date

Investment ₹

Receipt ₹

Separate fees ₹

Manual tax / (credit) ₹

INR per home-currency unit

Row 2

Cash-flow date

Investment ₹

Receipt ₹

Separate fees ₹

Manual tax / (credit) ₹

INR per home-currency unit

Result

Estimate

Date-weighted investment return in INR and your home currency.

INR before tax XIRR17.86%

INR after tax XIRR17.86%

USD before tax XIRR10.00%

USD after tax XIRR10.00%

After-tax home-currency NPVUS$18.52

After-tax INR NPV₹7,666.67

Dated cash flows

Date	INR investment	INR receipts	INR fees	INR tax / credit	INR per home unit	Net home-currency cash
2026-01-01	₹84,000.00	₹0.00	₹0.00	₹0.00	84	-US$1,000.00
2027-01-01	₹0.00	₹99,000.00	₹0.00	₹0.00	90	US$1,100.00

Home-currency year-wise totals

Calendar year	Invested	Received / terminal value	Fees	Tax / credit	Net cash
2026	US$1,000.00	US$0.00	US$0.00	US$0.00	-US$1,000.00
2027	US$0.00	US$1,100.00	US$0.00	US$0.00	US$1,100.00

Assumptions & scope

Dated cash-flow analysis in INR and home currency. FX, tax and remaining investment values are entered; exemptions and future rates are not determined.
FX quote is INR per one home-currency unit on each transaction date. Negative manual tax means a refund/credit. Enter foreign taxes as INR equivalents on their payment dates. Fees are separate outflows; do not deduct the same fees twice. Remaining value is a valuation assumption, not a realised receipt. XIRR uses Actual/365 and searches −99.99% to 10,000%; multiple roots are reported rather than choosing one.

Disclaimer: Computed to the best of our knowledge, as per the laws, rules and official guidance of the country stated on this page in force on the date this website was last deployed (2 Oct 2026). Results are estimates for planning only and are not tax, legal, employment or investment advice. Please verify with the official sources listed, or a qualified professional, before relying on them. Rates and limits last reviewed on 1 Oct 2026.

How to use the Home-Currency Investment Return Calculator

1
Enter your own amounts, dates and verified eligibility facts. Sample values illustrate the calculation only.
2
Check the breakdown and assumptions. Resolve any review-required items before using the result.
3
Download the Figment PDF to retain the inputs, calculation, sources and scope.

How the calculation works

INR gross cash = receipt − investment − fees; after-tax cash subtracts manual tax (negative tax is a credit).

Home cash = INR cash ÷ transaction-date INR per home-currency unit.

XIRR solves Σ cash / (1 + r)^(days / 365) = 0; NPV evaluates that sum at your required rate.

Dated cash-flow analysis in INR and home currency. FX, tax and remaining investment values are entered; exemptions and future rates are not determined.

Worked example

Invest ₹84,000 at ₹84/USD and receive ₹99,000 exactly 365 days later at ₹90/USD.
INR return is 17.86%, while home-currency return is 10%: USD 1,000 grows to USD 1,100 before tax.

What this tool covers