About the XIRR Calculator
XIRR Calculator finds the yearly return of an investment when money goes in and out on different dates, such as monthly SIP instalments, top-ups and a final redemption. Paste one cash flow per line as a date and an amount: money you pay in is negative, money you receive is positive. The page finds the yearly rate that makes all the flows balance, counting the exact number of days between them, which is the same method as the XIRR function in Excel and Google Sheets. It also totals what you paid, received and gained.
Updated October 2026
How to use the XIRR Calculator
- 1Write one cash flow per line: the date, a comma, then the amount.
- 2Use negative amounts for money you invest and positive amounts for money you get back, including today's value.
- 3Dates can be 2024-01-15 or 15/01/2024.
- 4Read the XIRR yearly return and the totals.
- 5Change a line to see how a different exit date or amount changes the return.
Why XIRR matters
A simple profit percentage hides when your money was invested. Putting 10,000 in January and another 10,000 in December is not the same as putting 20,000 in January. XIRR gives each rupee or dollar its own time on the clock, so it shows the true yearly growth of the money you actually had invested.
How to enter your flows
Take the dates and amounts from your fund or broker statement. Payments are negative, redemptions and the current value are positive. For a SIP, copy each instalment as a separate negative line and add the current value as the last, positive line dated today. The order of the lines does not matter, because the page sorts them by date.
- 2023-01-05, -5000
- 2023-02-05, -5000
- 2025-01-05, 11200
Reading the answer
A result of 12% means your money grew as if it earned 12% a year, compounded, over the period. Compare it with a fixed deposit rate or an index return, not with a plain total gain, because short periods can make small gains look large. Past returns do not guarantee future ones.
Related tools
For a single start and end value use the CAGR Calculator, and for equal periods the IRR Calculator. To plan regular investing use the SIP Calculator and the Step-Up SIP Calculator. The Compound Interest Calculator shows how growth builds.
Features
- Same method as Excel and Sheets XIRR
- Exact day counts between flows
- Any number of cash flows
- Two date formats
- Totals of money in, money out and gain
- Private: nothing is uploaded
Frequently asked questions
What is XIRR?
XIRR is the extended internal rate of return: the yearly rate at which the value of all your cash flows, discounted by the exact days between them, adds up to zero.
When should I use XIRR instead of CAGR?
Use CAGR when you put in one amount and take out one amount. Use XIRR when there are several investments or withdrawals on different dates, such as a monthly SIP.
How do I enter an ongoing investment?
Add one negative line for each instalment and one final positive line with today's value on today's date.
Why does it say there is no sensible rate?
The flows may all have the same sign, or the result is extremely high or low. Check that you have at least one payment and one receipt, and that the final value is positive.
Is it the same as Excel?
Yes, it uses the same formula with a 365 day year. Small differences can appear in the last digits because Excel uses a numerical search.
Can it handle negative returns?
Yes. If you get back less than you paid in, the result is a negative percentage.
How accurate is a SIP XIRR?
It is exact for the flows you enter, but it is only as good as the dates and amounts. Use the dates from your statement.
Is my data uploaded?
No. The calculation runs in your browser and nothing is sent to a server.