XIRR Calculator

Calculate the annualized return (XIRR) on a series of investments and withdrawals made on different, irregularly-spaced dates.

  • Free to use
  • Accurate results
  • No registration required
  • Works on all devices
Enter transaction dates and cash flows to calculate the annualized XIRR return.
Comma-separated dates in YYYY-MM-DD format, in the same order as the cash flows.
Comma-separated amounts — negative for money invested, positive for money received back.

Your result

11.92%

XIRR

AI explanation

Formula

The annualized rate that discounts all dated cash flows to a net present value of zero, solved via bisection

Worked example

Two investments, one withdrawal

Worked example: Two investments, one withdrawal
FieldValue
Transaction dates2020-01-01, 2021-06-01, 2023-01-01
Cash flows-100000, -50000, 200000
XIRR11.92

Assumptions

  • Requires at least one negative (investment) and one positive (return) cash flow.
  • Enter dates and cash flows in the same order — they're matched positionally.
  • Informational only.

Frequently asked questions

What is XIRR used for?

It calculates the true annualized return for investments made at irregular dates and amounts — such as SIPs with varying contributions, or multiple lumpsum investments and withdrawals — where a simple CAGR calculation doesn't apply.

How is XIRR different from IRR?

IRR assumes cash flows occur at regular, evenly-spaced intervals. XIRR handles cash flows on any actual calendar dates, making it more accurate for real-world irregular investment patterns.

Why do I need at least one positive and one negative cash flow?

XIRR measures the rate of return between money going out (investments, shown as negative) and money coming back (returns, shown as positive) — without both, there's no return to calculate.

Related calculators

IRR CalculatorMutual Fund Returns Calculator

Sources

This calculator provides a general estimate only and does not constitute investment advice.

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