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XIRR Calculator
Enter each investment and withdrawal with its date to find the annualised money-weighted return. Use negative amounts for money invested and positive amounts for money received or current value.
Cash flows
Negative amounts are money you invested. Positive amounts are withdrawals or the holding's current value. Dates should match when cash actually moved. The starting example is three ₹10,000 investments and a ₹38,000 ending value.
DateAmountRemove
4 cash flows ready.
Worked example
Calculated by the same engine as the calculator above.
- Inputs
- 1 Apr 2024 invested
- ₹1,00,000
- 1 Oct 2024 invested
- ₹50,000
- 1 Apr 2026 value / redeemed
- ₹1,72,000
- Result
- XIRR
- 774.37%
Formula
Σ C_k / (1 + XIRR)^((d_k - d_0) / 365) = 0
- C_k = cash flow k (negative = invested, positive = received or current value)
- d_k = date of cash flow k
- d_0 = date of the earliest cash flow
- XIRR = the annual rate that makes the sum zero
Assumptions
- Time between flows is measured in days and divided by 365.
- The rate is solved numerically by bisection between -99.99% and 10,000%, then refined with Newton-Raphson.
- At least two non-zero cash flows are needed, including at least one outflow and one inflow; otherwise no result is shown.
- Taxes and charges are included only if you enter them as part of the cash flows.
- Educational estimate only, not financial advice. Capitallytics does not execute transactions.
XIRR Calculator FAQ
Answers about how this calculator works.
What is XIRR?
XIRR is the annualised money-weighted rate of return for cash flows on different dates. It is the rate at which the present value of all the flows adds up to zero.
How is XIRR different from CAGR?
CAGR assumes one starting amount and one ending amount. XIRR handles SIPs, top-ups and redemptions on any dates, so it suits most real portfolios.
Which sign should I use for each cash flow?
Enter money you invested as a negative number and money you received, or the current value of the investment, as a positive number dated today.
Why does the calculator show no result?
XIRR needs at least one negative and one positive flow with valid dates. If all flows have the same sign, or no rate in the search range fits, there is no answer.
Is XIRR a forecast?
No. It measures past performance from the dates and amounts you enter. Missing or wrong entries will change the result.