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XIRR Calculator
Result
Chart
Show formula & working
Σ Ci ÷ (1 + XIRR)(di − d0) ÷ 365 = 0
Ci = each cash flow (negative when you invest), di = its date, d0 = the first date. XIRR is the rate that makes the discounted cash flows add up to zero. It has no closed-form answer, so it is solved numerically (Newton–Raphson with a bisection fallback, tolerance 10−10), as Excel does.Details
How this works
When you invest in instalments — an SIP, a few top-ups, a withdrawal — a simple return figure is misleading, because each rupee was invested for a different length of time. XIRR gives one annualised rate that accounts for the timing of every cash flow.
Enter each amount with its date: what you invested as negative numbers, what you received or what the investment is worth today as positive numbers. The order does not matter; the calculator sorts by date.
The result is the constant yearly rate that would turn your outflows into your inflows on those exact dates. It describes the past; it says nothing about what future returns will be.
Frequently asked questions
What is the difference between XIRR and CAGR?
CAGR measures growth between one starting amount and one ending amount. XIRR handles many cash flows on different dates, so it suits SIPs, top-ups and withdrawals. For a single investment and a single redemption, the two give the same answer.
Why must investments be negative?
XIRR treats money leaving your pocket as negative and money coming back as positive. Without at least one of each, there is no return to measure.
Why does a short period give an extreme XIRR?
XIRR annualises. A 3% gain in two months annualises to roughly 19%. For holding periods under a year, the absolute return is usually more meaningful.
Will this match Excel?
Yes. It uses the same Actual/365 day count and the same equation as Excel's XIRR, and it is tested against Microsoft's published XIRR example.
Can I paste data from a spreadsheet?
Yes. Copy two columns — date and amount — and paste into any cell of the table. Rows are added as needed.