XIRR Calculator
Calculate the XIRR (annualized return) for a series of irregular investment and withdrawal cash flows at different dates.
XIRR
What is XIRR Calculator?
Extended Internal Rate of Return (XIRR) is the financial standard for measuring the annualized rate of return on an investment portfolio with multiple, irregular cash inflows and outflows occurring at specific dates. In real-world personal investing — such as mutual fund Systematic Investment Plans (SIP), Systematic Withdrawal Plans (SWP), lump-sum top-ups, dividend payouts, and partial redemptions — cash flows rarely occur in a single lump sum. XIRR solves for the internal discount rate that equates the Net Present Value (NPV) of all dated cash flows to zero. This calculator implements a robust numerical Newton-Raphson solver with bisection fallback to deliver precise, institutional-grade XIRR results directly on your device.
How to use XIRR Calculator
- 1Enter each cash flow transaction with its corresponding calendar date (YYYY-MM-DD).
- 2Enter money invested or purchases as negative amounts (e.g., -50000).
- 3Enter partial redemptions, withdrawals, or the current portfolio valuation as positive amounts (e.g., 120000).
- 4Click "Add cash flow" to insert additional transaction rows as needed.
- 5The annualized XIRR percentage is calculated and updated automatically.
Key features
Dynamic Dated Cash Flows
Supports dynamic addition and deletion of multiple dated cash flow transactions.
Newton-Raphson & Bisection Solver
Solves exact NPV = 0 equation using institutional-grade root-finding algorithms.
Exact Calendar Day Counts
Calculates day count intervals using 365-day basis accurately accounting for leap years.
Standard Cash Flow Signs
Negative values for investments/outflows and positive values for redemptions/terminal portfolio value.
Automatic Chronological Ordering
Sorts dated entries in temporal sequence automatically before iterative solving.
Zero Server Data Leakage
Executes entire mathematical algorithm client-side without logging or telemetry.
Examples & use cases
Two-Stage Investment with Final Redemption
Invested ₹50,000 on 2022-01-15, ₹50,000 on 2023-01-15, and redeemed ₹1,20,000 on 2024-06-01. The resulting annualized XIRR is 10.66%.
Short-Term SIP with Market Rally
Invested ₹10,000 on 2024-01-01, ₹10,000 on 2024-02-01, and current portfolio value is ₹21,500 on 2024-04-01. The annualized XIRR is 43.14%.
Lump-Sum Investment with Partial Withdrawal
Invested ₹2,00,000 on 2021-03-01, withdrew ₹50,000 on 2022-09-01, and remaining balance is ₹2,20,000 on 2024-03-01. Annualized XIRR is 10.74%.
Frequently asked questions
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