XIRR Calculator

Calculate an annualized return for cash flows on irregular dates. Enter your own values below to see annualized XIRR and check the method behind it.

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Your inputs

Change the example values to match your situation.

One YYYY-MM-DD, amount pair per line. Investments are negative; receipts / current terminal value are positive.

Your result

Let’s work it out.

Fill in your inputs and select Calculate.
Your result and breakdown will appear here.

How this calculator works

Solve Σ cash flow / (1 + return)^(days since first flow / 365) = 0.

Before you use the result

  • Includes the final portfolio value as a positive cash flow on its valuation date. The numerical solver rejects detected multiple roots or an unfound root.

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What is XIRR Calculator?

XIRR Calculator helps you calculate an annualized return for cash flows on irregular dates.

The main result is annualized XIRR. The formula, example and assumptions below explain how to interpret it.

How to use XIRR Calculator

Use the example to get familiar with the form, then enter your own figures. Any rates in the example are illustrative. Check the field labels and units before calculating.

  1. Gather cash flows: date, amount. Use values from the same situation or reporting period.
  2. Replace the example cash flows: date, amount with your own value, then complete the other fields. Check the displayed units.
  3. Select Calculate and read annualized XIRR. Change one input and calculate again to compare a second scenario. Reset restores the original example.
  • Enter cash flows: date, amount in the format shown by the example. Keep the same separators and row structure. One YYYY-MM-DD, amount pair per line. Investments are negative; receipts / current terminal value are positive.

XIRR Calculator: a worked example

With the inputs below, the result is 10 % (annualized XIRR). Follow the example, then replace these illustrative values with your own.

Example inputs and output
Input or outputExample value
Cash flows: date, amount2025-01-01, -100000; 2026-01-01, 110000
Annualized XIRR10 %

Understanding the XIRR result

The main output is annualized XIRR, expressed in %. It applies to the inputs and operation you selected.

Displayed results use a readable number of decimal places. When checking a result by hand, keep extra precision until the last step. To compare scenarios, change one input at a time and keep the others fixed.

XIRR Calculator: assumptions and common mistakes

A useful estimate starts with the right inputs. Check the following assumptions and limits before applying the result to your situation.

  • Includes the final portfolio value as a positive cash flow on its valuation date. The numerical solver rejects detected multiple roots or an unfound root.
  • A projected return is an assumption. Check whether fees, tax and inflation are included before comparing products.

For wider guidance, visit SEBI Investor Education. The formula and scope of this specific tool are stated on this page.

XIRR Calculator FAQs

What does XIRR Calculator calculate?

XIRR Calculator helps you calculate an annualized return for cash flows on irregular dates. Its main output is annualized XIRR in %.

What inputs do I need for XIRR Calculator?

You need cash flows: date, amount. One YYYY-MM-DD, amount pair per line. Investments are negative; receipts / current terminal value are positive.

Which formula does XIRR Calculator use?

Solve Σ cash flow / (1 + return)^(days since first flow / 365) = 0.

What is a worked example for XIRR Calculator?

Example inputs: Cash flows: date, amount: 2025-01-01, -100000; 2026-01-01, 110000. The result is 10 % (annualized XIRR).

How should I enter cash flows: date, amount?

Enter cash flows: date, amount in the format shown by the example. Keep the same separators and row structure. One YYYY-MM-DD, amount pair per line. Investments are negative; receipts / current terminal value are positive.

Why might the displayed result be rounded?

The result display limits decimal places to keep numbers readable. Very small values may use scientific notation. Keep extra precision during a manual calculation, then round the final answer for comparison.

How should I read annualized XIRR?

The main output is annualized XIRR, expressed in %. It applies to the inputs and operation you selected.

Why might my XIRR Calculator result differ from my records?

Includes the final portfolio value as a positive cash flow on its valuation date. The numerical solver rejects detected multiple roots or an unfound root. Differences in entered values, units or rounding can also change the comparison.

Can I compare two scenarios in XIRR Calculator?

Yes. Note your first annualized XIRR, change cash flows: date, amount or another input, and select Calculate again. Editing a field clears the old result so it is not mistaken for a new calculation.

Is XIRR Calculator free, and where are my inputs calculated?

This calculator is free to use without signing in. Its formula runs in your browser; calculator inputs are not sent to a calculation API. The inputs reset to the example values when you reset the form or start a fresh page.