XIRR Calculator
Find the annualised return of investments made and received on irregular dates.
XIRR Calculator
Dated Cash Flows
Negative = invested, positive = received.
Total Invested
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Total Received
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Net Gain
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Time Span
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Annualised Return (XIRR)
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Cash Flows at the XIRR
| Date | Days from start | Amount (₹) | Discount factor | Present value (₹) |
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Assumptions & method
- Formula: find r such that Σ amountᵢ ÷ (1 + r)^(daysᵢ ÷ 365) = 0, where daysᵢ is measured from the earliest date.
- Day count: Actual/365, using the exact calendar days between dates. Leap days are not treated specially.
- Solver: numerical (Newton's method with a bisection fallback inside a bracketed sign change). Rates are searched between -99% and 100,000% a year.
- Sign convention: money you pay in is negative, money you receive is positive. Include the current value of any remaining holding as a final positive flow.
- If cash flows change sign more than once, more than one rate can satisfy the equation. The one closest to 0% is shown.
- Amounts are shown in ₹ for consistency with the other calculators, but any currency works. Fees, taxes and inflation are not modelled.
Results are estimates based on the figures you enter. They are not guarantees and not financial advice.
What is XIRR?
XIRR, the extended internal rate of return, converts a messy history of deposits and withdrawals into one annualised percentage. Each cash flow is discounted by the number of days between its date and the first date, divided by 365. The rate that brings the total present value to zero is the XIRR. It is the usual way to judge an investment where you topped up several times, took money out in between, or received irregular payouts, since a simple growth rate would ignore the timing of each flow. Because the maths has no closed-form answer, the calculator solves it numerically and tells you when no valid rate exists.