XIRR Calculator
Real investments rarely move on neat annual boundaries: instalments land on the 5th of each month, a redemption clears mid-quarter, and dividends arrive on their own dates. XIRR handles this by solving for the single discount rate that makes every dated cash flow's present value sum to zero, using the precise day count between transactions.
Enter values
Results
- XIRR (annualised return)
- 12.47%
- Absolute gain
- ₹4,00,000.00
- Total return
- 80%
- Days invested
- 1,826
How is the XIRR calculated?
Enter the amount you invested and the calendar day it went in, then the value you hold today and the date you are valuing it. Both dates convert into day serials, the exact day count between them drives a 365-day discounting basis, and the equation is solved by repeatedly halving the bracket that contains the answer. The results show the annualised XIRR, the absolute gain, the total percentage return and how many days the money was invested.
Formula
Σ amount_j ÷ (1 + r)^((date_j − date_0) ÷ 365) = 0 The calculator solves for r by bisection: test the midpoint of a bracket, keep the half where the net present value changes sign, and repeat until the rate settles. With one investment and one exit the equation reduces to r = (value ÷ invested)^(365 ÷ days) − 1.
Example
₹5,00,000 invested on 5 April 2021 is worth ₹9,00,000 on 5 April 2026 — 1,826 days later, because the span includes a leap year. The absolute return is a flat 80%, yet XIRR compounds it across 5.003 years and reports 12.47% a year. Same gain, two descriptions: one rupee total and one annualised rate you can compare with any other investment.
Things to remember
XIRR is the honest annualised return whenever cash flows are irregular, because it weights each transaction by the actual days it was outstanding rather than forcing periods into equal buckets. Use it for SIP withdrawals, staggered lumpsum entries and any plan where money moved on scattered dates.
Frequently Asked Questions
What is the difference between XIRR and CAGR?
CAGR fits one purchase and one exit with nothing in between, so it needs only a start value, an end value and a period. XIRR accepts a date for every cash flow, making it the correct measure for a SIP with dozens of instalments or a portfolio with withdrawals along the way.
How does this calculator solve XIRR?
It discounts every cash flow back to the first date on a 365-day year, then bisects a bracket of candidate rates until the net present value crosses zero — no guess rate, no spreadsheet iteration setting. The day count comes from the calendar dates you enter, never from the machine's clock.
Why is my XIRR lower than the fund's own fact sheet?
Because your dates differ from the scheme's: an instalment that landed late, a redemption booked before the cut-off, or a fortnight of extra holding each nudge the figure. Differences of one or two percentage points between your statement and a fact sheet are normal rather than an error.
Can XIRR be negative on a loss-making investment?
Yes. When the current value sits below what you paid, the only rate that prices the flows to zero is a negative one — a ₹1,00,000 investment worth ₹90,000 exactly a year later reports XIRR of −10%. The calculator keeps the sign it finds rather than flooring the result at zero.
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