XIRR Calculator
Calculate the annualised return on irregular cash flows such as SIPs, top-ups and withdrawals.
About the XIRR Calculator
List each cash flow on its own line with its date and amount: money you put in as a negative number, money you took out or today's value as a positive one. The calculator gives the XIRR, the absolute return and a chart of the flows.
XIRR finds the yearly rate at which the present value of all your cash flows, dated exactly, adds up to zero. It's the right measure for SIPs and any investment with money going in and out at different times, and matches Excel's XIRR function.
The formula
Σ amountₖ ÷ (1 + r)^((dateₖ − date₀) ÷ 365) = 0
Worked example
10,000 invested each January from 2022 to 2024
- Worth 36,000 on 1 November 2025
- Absolute return: 6,000 on 30,000 = 20%
- XIRR: 6.62% a year, because the later instalments were invested for less time
Questions people ask
Why is XIRR different from CAGR?
CAGR assumes one investment at the start; XIRR credits each instalment only for the time it was invested.
What value do I enter for today?
Your current portfolio value, as a positive amount dated today.
Should I include dividends paid out?
Yes, as positive amounts on the dates you received them.