XIRR Calculator

About this calculator

Most return calculations assume tidy, evenly-spaced cash flows, but real investing rarely works that way, you might put in a lump sum, add more a few months later, and redeem everything on an unrelated date, and neither CAGR nor a simple percentage gain can properly annualize a return across cash flows that don't fall on regular intervals. XIRR (Extended Internal Rate of Return) solves this by finding the discount rate at which the sum of all date-weighted cash flows (their XNPV) equals zero, using each flow's actual calendar date rather than assuming even periods between them. Enter your dated cash flows, investments as negative values and returns or redemptions as positive values, each tagged with its actual date, and this calculator solves for the annualized rate that reconciles them all. It's the standard, correct way to measure returns on SIPs, staggered stock purchases, or any investment with multiple in-and-out cash flows over time, rather than a rough approximation that ignores timing.

Frequently asked questions