XIRR Calculator — Actual Investment Return
Calculate annualised investment return from actual dated deposits, withdrawals and holding value. Paste cash flows and inspect ambiguous XIRR results.
Enable JavaScript to edit the example and calculate your return.
Find the annualised return from the dates money actually moved. Include the dated value of anything you still hold.
Annualised return · XIRR
16.16%A constant annual rate that balances your dated cash flows.
Includes ₹1,85,000 holding value on 15 Jan 2026; this is not a withdrawal.
Cash-flow totals and timeline
- Money invested
- ₹1,50,000
- Withdrawals + value
- ₹1,95,000
- Net difference
- ₹45,000
- Period between entries
- 731 days
Check the discounted cash flows
Discounted to the first date using actual days / 365. At a solution, the sum is approximately zero.
Scroll the table to see all columns.
| Date | Signed amount | Discounted amount |
|---|---|---|
| 15 Jan 2024 | -₹1,00,000 | -₹1,00,000 |
| 1 Sep 2024 | -₹50,000 | -₹45,496.01 |
| 1 Mar 2025 | ₹10,000 | ₹8,447.74 |
| 15 Jan 2026 | ₹1,85,000 | ₹1,37,048.27 |
Money-weighted, historical return on your entries. Uses a 365-day year. It is not a forecast; tax, fees and inflation are reflected only if you include their cash flows. Currency movements require amounts converted to one currency before entry.
Your cash flows
Use actual payment dates. Amounts below are positive; choose whether you invested or received the money.
Paste from Excel or a statement
YYYY-MM-DD or DD-MM-YYYY (slashes also mean day/month/year). Separate columns with a comma, tab or semicolon. Negative = invested; positive = received or valuation. Optional Date,Amount header. Up to 366 rows.
Paste is a draft. Replace cash flows to calculate it, or keep your existing editor values.
Successful import replaces the whole schedule and turns off the separate holding value. A bad line leaves your editor unchanged.
Why dates matter
With one initial investment and one final value, XIRR agrees with CAGR on an actual-days/365 basis. With repeated payments, each amount has a different time invested. Dividing the gain by the total invested gives a simple return, not an annualised one.
How this calculation works
Σ cash flow ÷ (1 + annual rate)days since first date / 365 = 0
The rate must be greater than −100%. Entries are sorted and flows on the same day are combined for solving; the original rows remain in your editor and export. A schedule whose nonzero net flows change sign once has one admissible rate.
Repeated investments after withdrawals can give several rates or none. Near coincident or tangent solutions can be hard to resolve numerically; a candidate is not presented as a uniquely verified return. The tool does not choose a root from an arbitrary starting guess.
Microsoft’s XIRR definition and worked example supplies the day basis and reference calculation. Dates span 1900–2200; each amount is limited to 10 billion with up to two decimal places. These are calculation limits, not investment rules.
What should I include?
Investments and charges paid from your pocket are money out. Withdrawals, distributions and sale proceeds received are money in. For an ongoing investment, add its value on the valuation date once. Do not count a sold holding both as sale proceeds and as current value. For a combined portfolio, use external cash flows at the portfolio boundary rather than counting internal transfers twice.
For a projection from an assumed rate instead, use the compound interest calculator. To plan assumed withdrawals, use the SWP planner. Those answer different questions from historical XIRR.
