Finance & Investment
XIRR Calculator
XIRR: it computes the annualised internal rate of return for cash flows on irregular dates, by date-weighted iteration. Worked through below with real figures, and the calculator repeats the working on your own inputs — free, on-device, instant.
XIRR Calculator lets you work out the return on irregular cash flows in seconds: enter your dated cashflows for the annualised return, all worked out locally in your browser.
Estimate only. Not financial, investment, tax, retirement, pension, crypto, or legal advice. Returns, rates, fees, taxes, inflation, market prices, product rules, and government schemes can change. Verify with official sources or a qualified professional before relying on results.
About this calculator
XIRR is easiest to get wrong in the setup, not the arithmetic. It computes the annualised internal rate of return for cash flows on irregular dates, by date-weighted iteration. It matters any time money changes value over time — savings, loans, investments, prices and pay all reduce to these relationships. The worked example on this page (XIRR finds the annualised return when cash flows land on irregular dates — e.g. investing 100,000 and withdrawing 130,000 exactly 18 months later gives roughly 19.1% XIRR.) shows the full substitution; the calculator above runs the same working on your own numbers, in your browser, with nothing uploaded.
How to use
- List each cashflow on its own line as a date and an amount.
- Use negative amounts for money invested and positive amounts for money received.
- Make sure there is at least one negative and one positive flow.
- Tap Calculate to see the annualised XIRR for those dated cashflows.
Why use the XIRR Calculator
Instant
Every figure is computed on your device the moment you tap Calculate.
Private
Your numbers stay in your browser; nothing is sent to a server or saved.
Free
No signup, no paywall, and no ads placed inside your results.
Works offline
Once the page has loaded it keeps working even on a weak connection.
Mobile-first
Laid out for phones and tablets just as much as for desktops.
Honest estimates
Uses simplified formulas for educational estimates; actual results vary with taxes, fees, compounding rules, market returns, scheme rules, inflation, and local regulations.
Common uses
Use it when cash flows fall on irregular dates
Use it when comparing a return against a benchmark
Use it for SIP or top-up investment returns
Use it when reviewing dated contributions and withdrawals
Use it when flows are uneven in timing and size
Use it for a quick dated-return check
Technical notes
XIRR Calculator computes the annualised internal rate of return for cash flows on irregular dates, by date-weighted iteration.
Uses the dated cash flows you enter to compute an annualised return; it doesn't predict future performance.
The tool works offline once loaded, since every computation is client-side.
Worked example
XIRR finds the annualised return when cash flows land on irregular dates — e.g. investing 100,000 and withdrawing 130,000 exactly 18 months later gives roughly 19.1% XIRR.
FAQ
How are the irregular dates annualised?
Each cashflow is discounted by the exact number of days from the first date using an actual/365 day count, and the rate that makes the net present value zero is the XIRR.
Does the XIRR Calculator send my data to a server?
No. The XIRR Calculator runs entirely in your browser with JavaScript; the values you enter never leave your device and nothing is uploaded or saved.
What date format should I use?
Enter dates as YYYY-MM-DD, for example 2024-03-15, with the amount after a comma on the same line.
How is XIRR different from IRR?
IRR assumes cashflows occur at equal, regular periods, while XIRR uses the actual calendar dates, making it correct for lump sums invested at uneven intervals.