Your investment can have several contributions, a partial withdrawal and a remaining portfolio value, all on different dates. A simple gain percentage ignores when each payment happened. XIRR uses the amounts and dates together to find an annualised rate that balances those cash flows.
Enter the actual amounts and dates of contributions, withdrawals and final portfolio value. XIRR finds an annualised rate that makes the discounted cash flows balance. It summarises those cash flows; it does not predict future returns or recommend an investment. Some schedules have no usable solution or more than one solution.
XIRR calculator with dated cash flows
XIRR from actual cash-flow dates
Enter contributions as negative amounts. Enter withdrawals and the final portfolio value as positive amounts on their actual dates. Include the final value once, on its valuation date; do not count it again as a separate withdrawal.
Illustrative starting example: −₹10,000 on 1 January 2025 and ₹11,000 on 1 January 2026. Replace these rows with your own schedule.
Schedule used in this calculation
Rows are sorted by date and amounts on the same date are combined. Day offsets use actual calendar days, divided by 365. The totals include the final value you entered, whether or not you have sold the investment.
| Date | Net cash flow (₹) | Days from first date |
|---|
Limits: XIRR summarises the entered cash flows; it does not predict future returns or recommend an investment. Some schedules have no usable solution or more than one solution. This tool rejects schedules with more than one sign change after same-date amounts are combined, because the annual rate may be ambiguous. It also reports a calculation limit if it cannot find a numerically reliable rate.
How to enter your investments and withdrawals
1. Enter each contribution with its actual date and a minus sign. A ₹10,000 contribution is entered as −10000. For an SIP, add a row for each actual instalment; the calculator does not assume equal payments or generate dates for you.
2. Add withdrawals as positive amounts. Use the date and amount of each withdrawal. Enter the final portfolio value as a positive amount on the valuation date, once. If you have already withdrawn everything, enter those proceeds instead of adding a duplicate final value.
3. Click Calculate XIRR. Check the sorted schedule and day offsets shown below the result. Editing, adding or removing a row clears the previous result until you calculate again.
Every row needs a valid date and a finite, nonzero amount. The schedule must have both positive and negative amounts and at least two distinct dates. Cash flows on the same date are combined for calculation, so equal and opposite payments on one date cancel.
What the result means
The annualised rate solves Σ Ci / (1 + r)di/365 = 0, where C is a signed cash flow, d is the number of days from the first date and r is the rate. Calendar days include leap days, but the year divisor remains 365. The tool sorts the dated rows before calculating.
For example, −₹10,000 followed by ₹11,000 exactly 365 days later gives 10.00%. Equal amounts give 0.00%, while −₹10,000 followed by ₹5,000 over the same interval gives −50.00%. These are arithmetic illustrations, not expected investment returns.
Net gain/loss is the sum of the entered cash flows: positive withdrawals and final value minus contributions. It is not itself an annual percentage, and it includes an unsold portfolio value if you entered one. Fees, taxes and other payments affect the calculation only when you include them; this tool does not estimate them for you.
Why some schedules do not show a rate
A schedule without both signs cannot produce the required balance. Some schedules can have several rates that satisfy the equation. This calculator conservatively rejects more than one sign change after sorting and combining same-date amounts; it does not pick whichever root happens to be found first. A rejection does not prove that multiple roots exist for every such schedule.
For supported schedules, a bracketed numerical solver checks the discounted-flow balance before displaying a rate. If a reliable rate cannot be represented or found, the calculator shows a limitation instead of a misleading number. Very large losses are not automatically rejected merely because the final value is below a percentage of the contributions.
XIRR and CAGR answer different questions
CAGR describes growth between one starting value and one ending value over a period. XIRR is useful when intermediate contributions or withdrawals change the amount invested. Neither number measures risk, guarantees future performance or tells you which investment to choose.
Checking XIRR in Excel
Put signed amounts in one column and matching dates in the next, then use =XIRR(values, dates). Microsoft’s XIRR documentation explains the 365-day basis, the need for both signs and the possibility of non-convergence. Its five-row example produces about 37.34%. Different numerical methods or rounding can produce small display differences; schedules with multiple roots need special care.
Planning a future contribution schedule?
Explore a one-time contribution with the lumpsum investment calculator, or monthly contributions with an annual increase in the step-up SIP calculator. Both use assumed returns to build scenarios; they do not predict investment performance.
XIRR calculator FAQs
Can I use this for an SIP?
Yes. Enter each actual payment date and amount as a negative row, followed by any withdrawals and the final valuation. Payments do not have to be equal or monthly.
Can I include a partial withdrawal?
Yes. Add the withdrawal as a positive amount on its date and include the remaining portfolio value once on its valuation date. If the schedule changes sign several times, the calculator may reject it because of possible ambiguity.
Can XIRR be negative?
Yes. A supported schedule can produce a loss and a negative annualised rate. The calculator retains the actual negative net gain rather than replacing it with zero.
Why did the old result disappear when I edited a row?
The old result belongs to the old schedule. Click Calculate XIRR after completing the changes to get a result for the new one.
Does a higher XIRR mean a better investment?
XIRR summarises cash flows and their timing. It does not by itself account for risk, your goals or future returns, so it is not an investment recommendation.
Calculation method checked against Microsoft’s published XIRR documentation on 2 October 2026. Rates are displayed to two decimal places.
Last Updated on 3 weeks ago by Team Paisaseekho
