XIRR calculator

Check your portfolio's annualised rate of return
Calculate XIRR

Enter your cashflows

AmountDate
Your annualized return will appear here

XX.XX%

Quick Guide:
• Use minus sign (-) for investments/inflows• Use plus sign (+) for returns/outflows• Date formats auto-detected: DD/MM/YYYY, DD-MM-YYYY, YYYY-MM-DD, YYYY/MM/DD, DD-MMM-YYYY• Paste from Excel/CSV directly into the amount field

Frequently Asked Questions

What is XIRR?
XIRR is a financial metric used to calculate growth of a portfolio (could be an investment or a liability) that involve uneven cashflow. It gives you a clearer picture of how your money is working for you over time.
How to use this XIRR calculator?
Our calculator offers multiple convenient ways to input your investment data:
  • Import from CSV: Upload a CSV file with your transaction history
  • Paste from Clipboard: Copy transaction data from any source and paste directly
  • Paste from Excel: Copy cells from Excel or Google Sheets and paste them in
  • Enter Manually: Add transactions one by one using the form
For accurate XIRR calculation, remember:
  • Inflow amounts (money going in) should have a minus sign (-)
  • Outflow amounts (money coming out) should have a plus sign (+)
  • If the portfolio is not fully sold, add current portfolio value as an outflow
How is XIRR being calculated?
We use the Newton-Raphson algorithm to iteratively solve for Net Present Value (NPV) = 0. This is the same approach used by Excel, Google Sheets, and brokerage platforms like Zerodha & Groww. As a fallback, when convergence is difficult, bisection method is used.
Who is XIRR suitable for?
XIRR is used for understanding investment returns over time, and is suitable for:
  • Investors in mutual funds, stocks, and bonds
  • Financial analysts evaluating portfolio performance
  • Businesses assessing cash flow-based investments
Is XIRR suited for SIP investment?
Yes, SIP investment involved multiple transactions at different times, and XIRR is provides a precise way to measure return in such scenario. Use our free XIRR calculator to calculate returns on your mutual fund investments.
Why use our XIRR calculator?
Our XIRR calculator is free, requires no registration, and processes all calculations directly in your browser for complete privacy. With multiple input options (CSV import, Excel paste, clipboard, or manual entry), you get instant, accurate results without your cashflow data ever leaving your device.
Absolute Return vs CAGR vs XIRR: Complete Comparison
AspectAbsolute ReturnCAGRXIRR
What it measuresTotal gain/loss (%)Annualized growth rateAnnualized return with exact transaction dates
Time consideration✕Ignores time completely✓Considers overall duration✓Considers exact date of each transaction
Formula(Final - Initial) / Initial × 100(Final/Initial)^(1/years) - 1Solves for NPV = 0 using Newton-Raphson
Number of transactionsWorks with anyLimited to 2 (one buy, one sell)Works with unlimited transactions
Best forQuick snapshot, investments < 1 yearSingle lump sum investmentsSIP, multiple transactions, real portfolios
Calculation complexityVery simpleSimpleComplex (needs calculator/Excel)
Can compare different durations?✕No✓Yes✓Yes
Industry standard forShort-term tradingMutual fund factsheetsPortfolio performance tracking
Learn more about the differences and calculations with detailed examples →

Related Tools

→ Zerodha XIRR Calculator - Import directly from Zerodha→ CAGR Calculator - For simple one-time investments