XIRR Calculator for Dated Cash Flows
Calculate Extended Internal Rate of Return for Irregular Cash Flows
Cash Flow Input
Enter investments and interim withdrawals, then provide the Final Redemption / Current Value separately
- Use the table for Investments and Interim Withdrawals (partial redemptions).
- Use the Final Redemption box for the ending value/redemption (last date).
- You can enter plain positive amounts; the calculator applies correct signs automatically.
Cash-flow calculation
Confusion-free breakdown: Gross Invested, Interim Withdrawals, Net Invested, Final Value
Ready for Calculation
Enter transactions, set Final Redemption / Current Value, then click Calculate XIRR.
How this XIRR calculator works
XIRR is a money-weighted annualised rate calculated from amounts and their dates. It describes the cash flows you enter; it does not predict future returns or assess whether an investment is suitable.
Enter complete cash flows
- Add each payment as an Investment and each partial redemption or cash distribution as an Interim Withdrawal. Enter positive amounts; the calculator assigns the signs.
- Enter the remaining value or final redemption separately, with its valuation date. Do not count it again as a withdrawal.
- Include relevant fees and taxes in the amounts if you want a result after those costs. Use actual dates from your records.
- Select Calculate XIRR. Check the dates and amounts before interpreting the result.
The final value must be positive and its date must be on or after the transactions. A zero final value representing a complete loss is outside this tool’s input rules. Same-day-only flows cannot establish an annualised return.
Formula and a worked example
The rate r solves:
Σ CFᵢ / (1 + r)(dateᵢ − date₀)/365 = 0Amounts paid are negative and amounts received are positive. The exponent uses the actual day difference divided by 365.
| Date | Cash flow | Where to enter it |
|---|---|---|
| 1 January 2025 | −₹10,000 | Investment: ₹10,000 |
| 1 January 2026 | +₹11,000 | Final value: ₹11,000 |
These dates are 365 days apart, so the annualised result is 10%. This is an arithmetic example, not an expected return.
XIRR, CAGR and IRR
CAGR summarises a starting value and ending value over a period with no intervening cash flows. XIRR incorporates dated contributions and withdrawals, which makes it useful for describing the history of a SIP. IRR assumes equally spaced periods. A SIP scenario calculator answers a different question: what arithmetic results from an assumed rate and contribution schedule.
When a result needs more checking
Cash flows that change sign several times can have multiple solutions or no useful solution. A calculator may return one numerical root; that does not establish uniqueness. Very short periods can produce extreme annualised numbers. XIRR does not measure volatility, the sequence of gains and losses, or the risk of a future loss.
If an output looks unexpected, check for duplicate final values, omitted distributions, reversed signs and incorrect dates. Compare only calculations using consistent cash-flow and cost conventions.
CSV and spreadsheet checks
The existing Import CSV control accepts Date,Amount with signed amounts, or Date,Type,Amount with investment/withdrawal types. Use YYYY-MM-DD dates. Import fills the transaction table; enter the final value separately. Export CSV saves the transaction rows.
For a spreadsheet cross-check, place signed amounts and real dates in two columns and use =XIRR(amounts,dates). See Microsoft’s XIRR function documentation for its 365-day basis and numerical limitations.
Published by Getaka, a hobby project with no professional finance background. Guidance revised 28 September 2026. Report an error · All financial calculators.