Cash Flows

Rule: Enter investments/deposits as negative numbers (e.g., -10000). Enter withdrawals or the current final value as positive numbers.
Date
Amount ($)

XIRR Return Analysis

Extended Internal Rate of Return (XIRR)
10.32%
Total Invested (Outflows)
$15000.00
Total Returned (Inflows)
$20000.00
Absolute Profit / Loss
+$5000.00

An XIRR (Extended Internal Rate of Return) Calculator is the most accurate way to measure the performance of an investment when you make multiple deposits and withdrawals at irregular intervals. Unlike standard return metrics, XIRR accounts for the exact dates money moved in and out of your portfolio.

Why Use XIRR Over CAGR?

Compound Annual Growth Rate (CAGR) is excellent for measuring an investment where you make one initial deposit and simply wait to see the final value years later. However, real-world investing rarely works that way. People typically buy more shares, withdraw dividends, or sell partial positions on random dates throughout the year.

Because XIRR calculates an annualized yield based on the precise days cash flows occur, it provides a much more realistic picture of how hard your money is actually working. For example, depositing 10,000 dollars today and having 12,000 dollars tomorrow is vastly different than depositing 10,000 dollars today and waiting five years to reach 12,000 dollars. XIRR mathematically captures that timeline difference.

How to Use This Calculator

  • Negative Numbers: Represent money leaving your bank account (e.g., buying stocks, investing in a mutual fund). Type `-10000` for an initial investment.
  • Positive Numbers: Represent money returning to you (e.g., selling shares, receiving a dividend, or the current total value of your portfolio today).
  • Enter the exact dates those cash flows occurred.
  • Ensure you have at least one negative outflow and at least one positive inflow for the calculation to work properly.
  • Empty fields are automatically ignored.

Frequently Asked Questions

What does a negative XIRR mean?

If your XIRR result is negative, it means your investment has lost value at an annualized rate. The total cash you have withdrawn (plus the current remaining value) is less than the total capital you originally invested.

Why is my XIRR showing as "N/A"?

The XIRR formula requires two distinct phases to solve mathematically: an investment (negative value) and a return/final value (positive value). If you only enter negative numbers, or if the dates are entered out of chronological order incorrectly, the formula cannot calculate a valid return.

What is considered a good XIRR?

A "good" XIRR depends entirely on your asset class. For conservative bonds or fixed deposits, a 5 to 7 percent XIRR is standard. For a diversified stock market portfolio, an XIRR between 8 and 12 percent over the long term is generally considered highly successful.