XIRR Calculator
Compute the extended internal rate of return for irregular investments and redemptions. Add dates and cash flows (negative = investment).
How to Use XIRR Calculator
- Add your cash flows. Click "Add Row" and enter each transaction date and amount. Use negative values for investments (money you put in) and positive for redemptions or current value.
- Include the final portfolio value. Add a last row with today’s date and the current market value of your holdings as a positive amount.
- Ensure dates are in order. The tool automatically sorts transactions by date; the earliest date becomes the reference point for time calculations.
- Click Calculate. The calculator uses the Newton‑Raphson method to find the annualised return that makes the net present value of all cash flows equal to zero.
Benefits of XIRR Calculator
- Handles irregular cash flows — SIPs, lump sums, partial redemptions — exactly as they happen, not as a simplified average.
- Uses a robust algorithm with bisection fallback, providing reliable results even for unusual cash‑flow patterns.
- Shows a single annualised return percentage that is directly comparable to mutual fund fact sheets and portfolio reports.
- No data leaves your browser; your portfolio details are completely private.
Frequently Asked Questions
Why is XIRR better than CAGR for mutual fund SIPs?
CAGR assumes a single lump sum invested at the start. XIRR values each instalment on its actual date, giving the true annualised return for staggered investments like a monthly SIP.
What if the calculator shows an error or very high XIRR?
Very short investment periods can give extreme XIRR values. For meaningful results, use a duration of at least one year. If the calculation fails, check that you have at least one negative and one positive cash flow.
Can I include dividends paid out?
Yes, enter dividends received on the payment date as a positive cash flow. If dividends were reinvested, they are already reflected in the final portfolio value and should not be added separately.
Is XIRR Calculator free and private?
Yes — it is 100% free, needs no sign‑up, and everything runs in your browser; your data never leaves your device.
Disclaimer: Uses Newton‑Raphson method; may not converge for extreme cash flows. For information only.