XIRR Calculator
Discover the exact annualized percentage return of your staggered, irregular investment timings.
Tip: Change one assumption at a time and compare result deltas before making pricing or hiring decisions.
XIRR Calculation
Select your investment frequency, enter dates and amounts to calculate your annualised return.
Use the XIRR calculator when your investments and withdrawals happen on irregular dates. It is designed for real portfolios with staggered cash flows and helps you measure the true annualized return of what actually happened.
1. Enter each cash flow with its date
Add every investment and withdrawal using the actual amount and transaction date instead of averaging them together.
2. Include both money in and money out
A valid XIRR calculation needs at least one negative cash flow and one positive cash flow.
3. Calculate the annualized return
The calculator solves for the discount rate that makes the net present value of all cash flows equal zero.
4. Compare it with your expectations
Use the result to judge actual performance across irregular timing rather than relying on a simple CAGR assumption.
How do I interpret the XIRR result?
XIRR represents the annualized return that matches the real pattern of your dated investments and withdrawals.
Why does the calculator say failed to converge?
That usually happens when the input set does not contain a valid mix of positive and negative cash flows or when the cash-flow pattern does not produce a stable internal rate solution.
What is the difference between XIRR and CAGR?
CAGR assumes one starting value and one ending value, while XIRR handles multiple cash flows occurring on different dates.
When should I use XIRR instead of a SIP calculator?
Use XIRR to evaluate past performance from actual transactions. Use a SIP calculator to project future outcomes from assumed returns.