Quick examples
Add investments as negative amounts and redemptions as positive.
XIRR
15.83%
Extended Internal Rate of Return
XIRR Calculator — Quick Reference
The XIRR Calculator is an online tool that calculate Extended Internal Rate of Return for irregular cash flows. Everything for the XIRR Calculator is on this page: the interactive calculator, the formula, a worked example, step-by-step guidance, and frequently asked questions — no other pages required.
At a glance
- Main inputs
- Dated cash flows (deposits and withdrawals)
- Current portfolio value
- Main outputs
- XIRR (annualized return accounting for dates)
- Absolute and annualized return summary
Direct answers
What is the XIRR Calculator?
The XIRR Calculator is an online tool that calculate Extended Internal Rate of Return for irregular cash flows.
What formula does the XIRR Calculator use?
XIRR solves for the annualized return r where NPV of all dated cash flows = 0 (Newton-Raphson / IRR method)
How does the XIRR Calculator work?
Add investment and redemption transactions with dates. XIRR calculates the annualized return accounting for timing of cash flows.
Formula Used
The equation below is what this calculator applies. Variable definitions follow when symbols are used.
Equation
XIRR solves for the annualized return r where NPV of all dated cash flows = 0 (Newton-Raphson / IRR method)
Worked Example: SIP with irregular top-ups over 3 years
Sample inputs and the results this calculator produces for the scenario below.
Inputs
- Monthly SIP
- $10,000
- Extra Lumpsum (Year 2)
- $100,000
- Current Portfolio Value
- $450,000
Results
- XIRR
- ~11–13% (depends on cash-flow dates)
XIRR accounts for exact deposit dates — more accurate than CAGR when contributions are not evenly spaced.
How XIRR Calculator Works
Add investment and redemption transactions with dates. XIRR calculates the annualized return accounting for timing of cash flows.
What to enter
Use the calculator above to set your amounts, rates, and tenure. Results update as you move sliders or type values — switch currency if you are planning in USD, INR, or another supported unit.
Step-by-step
- Open the XIRR Calculator and enter your amounts, rates, and time period in the input fields.
- Review the results panel — totals update instantly when you change any value.
- Compare the worked example and formula below to verify the math matches your scenario.
- Read the FAQs for common edge cases, tax notes, and planning tips specific to this calculator.
XIRR — Frequently Asked Questions
Each question is answered directly below. Expand any item for the full response.
What is XIRR used for?
XIRR calculates the annualized return when cash flows happen on irregular dates, such as SIPs, top-ups, redemptions, or staggered investments. It is one of the most practical measures for real investor journeys.
Why is XIRR better than CAGR for mutual fund SIPs?
Because SIP installments are made on different dates and stay invested for different lengths of time. CAGR cannot capture that timing, while XIRR can.
What do I need to calculate XIRR correctly?
You need dated cash flows with at least one outflow and one inflow, plus the current portfolio value or redemption value. Missing even one major transaction can distort the answer.
What does a negative XIRR mean?
It means the annualized return across all dated cash flows is below zero over the measured period. That can happen even when some individual installments are profitable, because timing matters.
Disclaimer
- This calculator gives you an estimate only. It is not a promise of exact results.
- This is general information, not personal financial, tax, or legal advice.
- You are responsible for your own decisions. Talk to a qualified professional when it matters.
- Past performance does not mean future results. Real returns can vary.