Cash flow details
DateCash flowAction

Enter at least one negative investment and one positive return.

Tip: Use negative amounts for money invested and positive amounts for redemptions, dividends or final value.

XIRR result
Annualized XIRR
0.00%
Money-weighted annual return for irregular cash flows
Total invested
$0
Sum of negative cash flows
Total received
$0
Sum of positive cash flows
Net profit / loss
$0
Received minus invested
XNPV at selected rate
$0
Present value using discount rate
Invested
0
Received
0
Net
0
XIRR is an estimate based on actual dates and assumes annual compounding. If the cash flows do not produce a valid rate, the tool will show an error.

XIRR Calculator Online

Use this free XIRR calculator to calculate the annualized return for investments with irregular cash flows. Add each investment, withdrawal, dividend or final value with its actual date and the tool will estimate your extended internal rate of return.

XIRR is useful for SIPs, mutual funds, private equity, real estate investments, stock purchases, crypto trades, business projects and any case where money goes in or comes out on different dates.

Irregular datesCalculate annualized return when cash flows do not happen at fixed monthly or yearly intervals.
Money-weighted returnXIRR gives more weight to the exact timing and size of each cash flow.
XNPV includedCheck present value at your chosen discount rate along with the return result.

How to Use This XIRR Calculator

  1. Enter investment amounts as negative numbers, such as -5000.
  2. Enter withdrawals, dividends or final value as positive numbers.
  3. Add the correct date for every cash flow.
  4. The result updates automatically whenever you change dates or amounts.
  5. Use the discount-rate box if you also want to calculate XNPV.

XIRR Formula

XIRR is the rate that makes the net present value of all dated cash flows equal to zero. In simple words, it finds the annual return after considering both amount and timing.

Sum of Cash Flow / (1 + XIRR)^(Days / 365) = 0

The result is annualized, so it can be compared with CAGR, FD return, mutual fund return or other yearly performance measures. For fixed periodic cash flows, IRR may be enough. For real-world cash flows with different dates, XIRR is usually more accurate.

Frequently Asked Questions

What is XIRR?

XIRR means Extended Internal Rate of Return. It calculates annualized return for cash flows that happen on different dates.

Should investments be negative in XIRR?

Yes. Money going out from your pocket is entered as negative. Money received back is entered as positive.

What is the difference between IRR and XIRR?

IRR assumes regular periods. XIRR uses actual dates, so it is better for SIPs, partial withdrawals and irregular investments.

Can XIRR be negative?

Yes. If the received value is weak compared with the invested amount and timing, XIRR can be negative.