XIRR Calculator
Annualised return when money went in and out on irregular dates.
Result
- Total invested
- ₹2,00,000
- Total received
- ₹2,50,000
- Net gain
- ₹50,000
- Absolute return
- 25.00%
- Period covered
- 2 years
- 730 days
| Day | Years | Amount | Discounted value |
|---|---|---|---|
| 0 | 0.00 | −₹1,00,000 | −₹1,00,000 |
| 365 | 1.00 | −₹1,00,000 | −₹86,332 |
| 730 | 2.00 | ₹2,50,000 | ₹1,86,332 |
XIRR is the constant annual rate at which every dated cash flow discounts back to zero. It reflects what actually happened and does not predict future returns.
Estimated from the numbers you entered — not a projection of guaranteed returns.
About this calculator
CAGR assumes one entry and one exit. XIRR handles the real world: instalments, top-ups and partial withdrawals on scattered dates. It finds the single annual rate at which every dated cash flow, discounted back, nets to zero. Enter money you invested as a negative amount and money you received — including the current value at the end — as a positive one.
Formula
- Solve for r: Σ [ Cash flow ÷ (1 + r)^(days ÷ 365) ] = 0
- Days are counted from the first cash flow
- Solved by bisection between −99.99% and +1000%
Frequently asked questions
What do I enter for a running investment?
Every instalment as a negative amount on its day, then today's value as a single positive amount on the last day.
Why does it say it could not converge?
A rate only exists when there is at least one outflow and one inflow. If every amount has the same sign, or the true rate lies outside the search range, the calculator reports nothing instead of a misleading number.
XIRR or CAGR?
Use CAGR for a single lump sum held over whole years, and XIRR whenever there is more than one dated transaction.