XIRR Calculator
Calculate the annualized return (XIRR) for a series of dated cash flows — investments and withdrawals or redemptions on different dates. This is a calculation from the cash flows you enter, not a forecast of future returns.
Your cash flows
Each row is one cash flow: a date and an amount. Use a negative amount for money going out (an investment) and a positive amount for money coming in (a redemption or current value).
Your result
Based on the 2 cash flows entered above, the annualized return (XIRR) works out to 10%. This is a calculation from the exact cash flows and dates you entered, not a forecast of future performance.
Based on the 2 cash flows you entered, the annualized return (XIRR) works out to 10%. This is a calculation from the exact dates and amounts entered, not a forecast of future performance.
Try changing a specific date or amount to see how sensitive the XIRR is — the CAGR Calculator handles a simpler two-value rate instead.
Learn about this calculator
Calculates the annualized return (XIRR) for a series of dated cash flows — investments and withdrawals or redemptions on different dates.
Unlike a simple return, XIRR accounts for exactly how long each rupee was invested before it produced (or required) another cash flow, so it can handle irregular investments and withdrawals across multiple dates.
How it works
It solves for the single annualized rate that makes the present value of all entered cash flows — each discounted back by its exact number of days from the others — sum to zero.
What each input means
- Date
- The exact date of that cash flow.
- Amount
- Negative for money going out (an investment), positive for money coming in (a redemption or current value).
What the results mean
- XIRR
- The single annualized rate implied by the exact dates and amounts entered.
Assumptions
- Every cash flow's date and amount is taken exactly as entered — real or hypothetical, the calculation treats them the same way.
Limitations
- XIRR needs at least 2 cash flows, including one negative and one positive amount, or no result can be calculated.
- If all cash flows share the same date, the annualized rate is not meaningful — there's no time period to annualize over.
Common mistakes
- Entering only investments (all negative) or only redemptions (all positive) — XIRR needs both to solve for a rate.
- Treating XIRR as a forecast of what a future investment will return, rather than a backward-looking (or hypothetical) description of the cash flows entered.
Example
For example, investing ₹1,00,000 and redeeming ₹1,10,000 exactly a year later works out to an XIRR of 10% — a single number describing that one round trip.
FAQ
Does XIRR predict what my investments will return in future?
No. XIRR only describes the cash flows you enter — a backward-looking (or hypothetical) measure, not a forecast or recommendation.
Why do the dates matter so much for XIRR?
XIRR annualizes returns based on the exact number of days between cash flows, so it can handle irregular investments and withdrawals — unlike a simple return, it accounts for money being invested (or withdrawn) at different points in time, not just the amounts.
What do I need to enter for this to work?
At least two cash flows, with at least one negative amount (money going out, such as an investment) and at least one positive amount (money coming in, such as a redemption or current value).
What if all my cash flows are on the same date?
XIRR cannot determine a meaningful annualized rate from cash flows that all happen on a single date.
See the CAGR Calculator for a simpler rate between just two point-in-time values, without needing exact dates for each transaction.
For illustration only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns assumed are hypothetical and not guaranteed.