XIRR Calculator
Annualised return for irregular cash flows on specific dates.
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How it is calculated
Σ CFk ÷ (1 + r)(dk − d0) ÷ 365 = 0
Solved numerically (bracketing + bisection). It needs at least one negative flow (investment) and one positive flow (redemption / current value).
Worked example
Invest ₹10,000 on 01-01-2024 and receive ₹11,000 on 01-01-2025 (366 days): r = (11,000 ÷ 10,000)^(365 ÷ 366) − 1 ≈ 9.97%.
About the XIRR Calculator
Annualised return for irregular cash flows on specific dates. This free investment & retirement tool runs entirely in your browser: nothing you type is sent to a server, and you can save, print or download the result.
What you need to enter
You will be asked for cash flows (one per line: date, amount). Fields marked * are required. Every field shows a hint and the allowed range.
How to use it
- Fill in the inputs (sample values are pre-filled so you can see how it works).
- Press Calculate to see the result, breakdown and chart.
- Use Print, Download PDF or Share to keep the result, or come back to it from your saved history.
Who it helps
Salaried individuals, business owners, investors and professionals who want a quick, transparent estimate before they file, invest or plan. If your case has special facts, our team can review it - ask for a consultation.
Results are estimates based on the rules and rates described under "How it is calculated". Laws change and individual facts differ, so confirm with official sources or a qualified professional before acting. This is not tax, legal or investment advice.
Frequently asked questions
Why do I get "no sign change" style errors?
XIRR needs both money out (negative) and money in (positive). If you are still invested, add today's market value as a positive final line dated today.
How is XIRR different from CAGR?
CAGR assumes one start and one end value. XIRR handles SIPs, top-ups and withdrawals on different dates by weighting each flow by the time it was invested.
Does it match the Excel XIRR function?
Yes, it uses the same actual/365 day-count convention, so results should agree to several decimal places.
Need help beyond the calculator?
Talk to our tax and compliance team for advice based on your documents.