Annual return on dated cash flows, the same answer as Excel XIRR, plus plain IRR
Estimates only, not financial advice. What you type stays on your device. Updated on 25 Oct 2026.XIRR is the yearly return on cash flows made on uneven dates, worked out the way Excel's XIRR function does: twelve monthly SIPs of ₹5,000 that are worth ₹65,000 a year after the first one give an XIRR of 15.67%. Each flow goes in with its date, money in as negative and money received or today's value as positive.
Under Calculate choose "XIRR (dated)".
For each cash flow enter its Date and its "Amount (₹)": money put in as negative, money received as positive; press "Add a row" for more.
Or paste rows of date and amount from Excel into the paste box and press "Use these rows".
Read "XIRR, a year" with "Money put in" and the gain, and open "How it is worked out" for the method.
Press "Share result" to copy a link with these cash flows.
XIRR is the annual return of money that goes in and comes out on different dates. It is the rate r at which every cash flow, discounted by (1 + r) raised to the number of days since the first date divided by 365, adds up to zero. That is exactly how Microsoft Excel's XIRR function defines it, and this calculator gives the same answer: Microsoft's own example of −10,000 on 1 January 2008 and four receipts to 1 April 2009 returns 37.34% here and in Excel.
How to enter the flows. Every amount you invest is negative; every amount you get back, and the current value of what you still hold, is positive. For a SIP, enter each instalment with its date and add today's value with today's date. You can type the rows, or paste two columns of date and amount straight from a spreadsheet or a statement: dates as 05/01/2025 or 2025-01-05, amounts with Indian commas such as -1,00,000. A header row is skipped.
Why XIRR and not CAGR. CAGR assumes one amount invested on day one. In a SIP each instalment is invested for a different time, so CAGR on the total overstates or understates the return. XIRR weights every rupee by how long it was invested. For a single lump sum the two are the same.
Plain IRR. When the flows come at equal intervals and the dates do not matter, switch to IRR. It returns the rate per period, and for monthly periods also the yearly rate.
How it solves. Newton's method from a 10% guess, as Excel starts, and a bisection search when that fails. It needs at least one negative and one positive amount; if no rate balances the flows, it says so and tells you what to check. Some flows that change sign several times have more than one rate; the calculator shows the first it finds.
It does not account for tax, exit loads or dividends you did not enter. Everything runs in your browser; nothing is uploaded.
List each SIP instalment as a negative amount on the date it was debited, then add the current value of the holding as a positive amount dated today. XIRR finds the one yearly rate that makes all of them balance. Twelve monthly instalments of ₹5,000 worth ₹65,000 a year after the first give 15.67%.
Yes. The calculator uses Excel's definition: days between dates divided by 365, discounted from the first date. Microsoft's documented example, −10,000 on 1 Jan 2008 followed by 2,750, 4,250, 3,250 and 2,750 to 1 Apr 2009, returns 0.373362535 in Excel and 37.34% here.
XIRR needs at least one negative amount (money invested) and one positive amount (money received or the value today). With every amount of the same sign, or every flow on one date, no rate exists. Check that investments carry a minus sign and that the current value is included as a positive amount.
CAGR measures one amount growing from a start date to an end date. XIRR handles many amounts on many dates, weighting each by how long it was invested. For a single lump sum they give the same figure; for a SIP, top-ups or partial withdrawals, only XIRR gives the true yearly return.
IRR assumes the cash flows come at equal intervals, one per period, and returns a rate per period. XIRR uses the actual date of each flow and returns a yearly rate. Use IRR for a project with yearly cash flows; use XIRR for investments made on irregular dates, such as mutual fund purchases.
Paste two columns, the date and the amount, one transaction per line, separated by a comma, tab or semicolon. Dates may be written 05/01/2025, 05-01-2025 or 2025-01-05 (day first), and amounts may keep Indian commas and a rupee sign. Lines that do not read, such as a header, are skipped and counted.
Formula only: no rates or limits are read from an official source.
Still stuck? Ask about XIRR Calculator and anybody who knows can answer. No account needed.
Same job, other tools: ROI Calculator – Return on investment as a total percentage and as a yearly (annualised) rate · Step-up SIP Calculator – See how raising your SIP every year changes the final corpus.
Also works as: Mutual Fund XIRR Calculator.