XIRR Calculator – Annualized Return for Irregular Cashflows

Add real cashflows (investments, SIPs, withdrawals, dividends, and current value). Get your annualized return (XIRR) with a timeline chart—no spreadsheets needed.

Validated Cashflows
Instant Updates
Timeline Chart
Estimated XIRR
0.00%

Cashflow Timeline

Bars show each cashflow (negative = investment, positive = withdrawal/value). The line shows cumulative net cashflow.

Related Tools

ROI Calculator SIP Calculator FD Calculator Goal Planner CAGR Calculator

Calculate XIRR

Add at least one investment (negative) and one return/value (positive). Then calculate to get annualized performance for irregular timing.

Date of transaction (investment/withdrawal/value).
Use negative for investment, positive for withdrawal / current value.
Date
Amount
Type
Tip: Add your current value as the latest positive cashflow on today's date (or valuation date).
Net Invested (abs outflows)
₹0
Net Gain (inflows - outflows)
₹0
Cashflow Health Checks
Estimated XIRR (Annualized)
0.00%
Total Outflows (Investments) ₹0
Total Inflows (Withdrawals/Value) ₹0
Net Gain ₹0
Time Span 0 days
Cashflows Count 0

Smart Tips

Include all cash movements: purchases, redemptions, dividends (if taken out), fees, and the latest value.
For SIP + lumpsum portfolios, XIRR is more meaningful than CAGR because dates and amounts differ.
If you get "No solution", you may have only outflows or only inflows, or cashflows occur on the same date.
A very high/low XIRR can happen when the time span is short—check the Time Span result.
Use a valuation date that matches your statement (e.g., month-end NAV date) for consistency.

Cashflow Timeline

Same chart optimized for mobile viewing.

How to Use XIRR Calculator

1

Select Currency

Choose INR, USD, or GBP from the header or menu. This changes display formatting (calculations remain numeric).

2

Add Investments (Negative)

Enter each purchase/SIP as a negative cashflow with its transaction date.

3

Add Returns/Value (Positive)

Add withdrawals, dividends taken out, and your latest portfolio value as positive cashflows.

4

Calculate & Review

Click Calculate to see XIRR, cashflow totals, and the chart. Use the health checks to catch data issues.

Understanding XIRR Calculation

What is XIRR

XIRR is the annualized internal rate of return for a series of cashflows that occur on irregular dates. It is widely used for mutual funds, portfolios, private investments, and any scenario where contributions and withdrawals are not evenly spaced.

How is XIRR Calculated

XIRR finds the annual rate r that makes the net present value (NPV) of all dated cashflows equal to zero. Each cashflow is discounted based on the exact number of days from the first cashflow date.

Core Formula

This tool solves for r in:

NPV(r) = Σ CFi / (1 + r)(di/365) = 0

where CFi is the cashflow amount, and di is the day difference between cashflow date i and the first cashflow date.

Factors Affecting XIRR

Uses & Benefits

Mutual fund performance

Measure annualized return across SIPs, additional buys, and partial redemptions.

Portfolio IRR

Combine multiple trades and withdrawals into a single annualized return number.

Compare uneven investments fairly

Compare two strategies even if cashflow dates and sizes differ.

Audit statements

Reconcile your own return estimate against platform-reported IRR/XIRR.

Frequently Asked Questions

What should I enter as the final cashflow if I haven't redeemed
Add your latest portfolio value/NAV value as a positive cashflow on the valuation date (often today or statement date). This represents what you would receive if you liquidated at that time.
Why do I need both negative and positive cashflows
XIRR solves for a rate that equates discounted outflows (investments) and inflows (withdrawals/value). If all cashflows are the same sign, there is no meaningful rate that sets NPV to zero.
Why does XIRR sometimes show extreme values
Extreme XIRR can occur when the time span is short or the final positive cashflow is very large relative to recent outflows. Check the time span and verify that the valuation date/value are correct.
Is this the same as CAGR
No. CAGR assumes a single investment and a single ending value over a duration. XIRR supports multiple dated cashflows and is typically more accurate for real investing behavior.
Does currency selection change the calculated XIRR
No. XIRR is a rate. Currency only affects how amounts are formatted on screen. If you mix currencies inside cashflows, the result becomes meaningless—use one currency consistently.

Trust & Notes

Privacy Friendly

All computations run locally in your browser.

Numerical Solver

Uses a robust root-finding method with guardrails.

Input Validation

Requires mixed-sign cashflows and a time span.

For Estimation

Not financial advice. Confirm with statements.

Disclaimer: This XIRR calculator estimates an annualized return by solving the IRR equation for your entered cashflows using day-based discounting (365-day basis). Results can vary from brokerage or fund-house calculations due to day-count conventions (365 vs 365.25), rounding, treatment of fees/taxes, exact valuation times, and whether dividends are reinvested. This tool is informational and does not constitute financial, tax, or legal advice.