XIRR Calculator

Calculate the true annualised return (XIRR) for any series of investments and withdrawals, regardless of timing.

Enter each cash flow with its date. Use negative values for investments (money out) and positive values for returns (money in).

DateAmount

When to Use XIRR

XIRR is the most accurate measure of investment performance when cash flows are irregular. Standard CAGR only works for a single investment made once — XIRR handles any pattern.

Good Use Cases

  • Monthly SIP investments in a mutual fund
  • Irregular top-ups to a portfolio
  • Real estate with rental income + eventual sale
  • Stock purchases made on different dates
  • Any investment with intermediate cash flows

Example

Invested 10,000 on Jan 1 → enter -10000

Invested 5,000 on Jul 1 → enter -5000

Portfolio value on Dec 31 → enter +18000

XIRR gives your true annualised return.

Frequently Asked Questions