XIRR Calculator
The only honest way to measure a portfolio you have added to and withdrawn from at irregular intervals. Paste your dated cashflows and get the annualised return.
—
How it works
Ordinary return calculations assume money went in once and came out once. Real portfolios are not like that — you invest at odd intervals, sometimes withdraw, and every one of those flows has spent a different length of time invested.
XIRR handles this by finding the single annual rate at which every dated cashflow, discounted back to the first date, sums to zero. It is the same calculation as a spreadsheet XIRR function, and it is the number to use when comparing a messy real portfolio against a benchmark.
Solve for r: Σ amountᵢ ÷ (1 + r)^(daysᵢ ÷ 365) = 0
- Negative amounts — money leaving you — purchases and investments
- Positive amounts — money coming back — redemptions, dividends, and the current value at the end
- r — the annualised rate the calculator solves for
Worked example
Three investments and a closing value
Inputs
Results
A simple total-return calculation would report 24.4% here. XIRR reports 11.1% a year, because most of the money was invested for only part of the period.
Frequently asked questions
How do I enter my data?
One cashflow per line: the date, then the amount. Investments are negative, money you receive is positive. The final line should be today’s date with the current value of the holding as a positive amount.
Why does it say no solution?
XIRR needs at least one negative and one positive amount. If everything is negative — money invested but no closing value entered — there is no rate that balances the equation. Add the current value as a final positive line.
How does XIRR differ from CAGR?
CAGR assumes a single lump sum invested once. XIRR handles any number of flows on any dates. For a single investment held throughout, they give the same answer.
Is my data sent anywhere?
No. The calculation runs entirely in your browser. Nothing you type is transmitted to us or stored.
More in Savings & Investing
Compound Interest Calculator
See what a lump sum grows to over time, and how much of the final figure is interest rather than the money you put in.
PersonalSIP Calculator
Project what investing a fixed amount every month grows to — and see how much of the final figure you contributed versus what the market did.
PersonalStep-up SIP Calculator
Raise your monthly investment a little each year as your income grows, and see how much difference that single habit makes over a full term.
PersonalSWP Withdrawal Calculator
Draw a monthly income from a lump sum and find out how long it lasts — the question that matters most once you stop earning.
PersonalSavings Goal Calculator
Start from the number you need and the date you need it by, and find out what that means every month.
PersonalRetirement Calculator
Two numbers decide a retirement plan: what you will need, and what you are on course to have. This puts them side by side.