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Investment Return Analysis

XIRR Calculator for Irregular Cash Flows

Calculate the annualized return of SIPs, mutual funds, stocks, private investments, or any investment with deposits and withdrawals made on different dates.

Exact transaction dates
Instant calculation
Runs in your browser

XIRR Calculator

Add each investment, withdrawal, and its transaction date.

Cash Flow Details

# Transaction date Cash flow amount Action
1
2
3
Enter money invested as a negative amount. Enter withdrawals, dividends, redemption value, or current portfolio value as a positive amount.
Understanding the Metric

What Is XIRR?

XIRR measures the annualized return of a series of cash flows that occur on irregular dates.

Date-Sensitive Return

XIRR considers the exact number of days between transactions, producing a more realistic return for irregular investments.

Multiple Cash Flows

It can evaluate repeated investments, partial withdrawals, dividends, redemptions, and a final portfolio value together.

Easy Comparison

Because the result is annualized, it is easier to compare investments held for different lengths of time.

Simple Process

How to Use the XIRR Calculator

Follow these steps to calculate an annualized return from your investment transaction history.

1

Add Transaction Dates

Enter the actual date on which each investment, withdrawal, dividend, or redemption occurred.

2

Enter Cash Flows

Use negative values for money invested and positive values for money received or the final investment value.

3

Calculate XIRR

Select the calculate button. The tool will search for the annual discount rate that makes the net present value zero.

4

Review the Result

Check the annualized percentage together with invested amount, positive cash flows, net flow, and investment duration.

Why XIRR Is Useful for Real Investments

Many investments do not follow a perfectly regular payment schedule. SIP installments may be delayed, additional funds may be invested at different times, and withdrawals can occur whenever the investor needs them.

A basic return calculation may ignore the timing of those transactions. XIRR accounts for both the amount and the date of each cash flow, making it suitable for evaluating real-world investment activity.

  • Mutual fund SIPs with changing payment dates
  • Stocks purchased through multiple transactions
  • Private equity or business investments
  • Real estate investments with irregular expenses and income
  • Portfolios with deposits, dividends, and partial withdrawals
Important Difference

XIRR vs. IRR

Both calculate an internal rate of return, but they handle transaction timing differently.

IRR

IRR usually assumes that cash flows occur at equal intervals, such as monthly, quarterly, or annually.

XIRR

XIRR uses the exact date of every transaction, so intervals between cash flows do not need to be equal.

Which Should You Use?

Use XIRR when actual investment dates are available. Use IRR when cash flows occur at perfectly regular intervals.

Common Questions

XIRR Calculator FAQs

Answers to frequently asked questions about XIRR and investment returns.

XIRR stands for Extended Internal Rate of Return. It is an annualized return calculation designed for cash flows that occur on different and irregular dates.
An investment represents money leaving your account, so it is entered as a negative cash flow. Money received, including a withdrawal or current portfolio value, is entered as positive.
Yes. Add every SIP installment as a negative cash flow using its actual transaction date. Add the current portfolio value as a positive cash flow dated on the valuation date.
Yes. A negative XIRR generally means the investment lost value on an annualized basis over the period covered by the entered transactions.
XIRR requires at least one negative and one positive cash flow. Some unusual cash-flow patterns may also produce multiple possible solutions or no meaningful solution within the calculator’s search range.
A higher XIRR usually indicates a stronger annualized return, but it should be considered alongside investment risk, taxes, fees, liquidity, volatility, and the duration of the investment.