How do I enter investments and receipts?

Enter money invested or paid out as a negative amount and money received as a positive amount. At least one of each is required, with valid dates and no zero amounts.

How is XIRR different from CAGR?

CAGR compares a starting and ending value over a period. XIRR also accounts for contributions and withdrawals on their actual dates.

Can XIRR be negative or zero?

Yes. A valid negative rate indicates a loss on an annualized basis. Equal payments and receipts over different dates can produce a zero rate. Valid rates must be greater than −100%.

Why is no rate shown?

Missing data, all-positive or all-negative flows, zero amounts, same-date-only flows, multiple chronological sign changes or numerical non-convergence can prevent a unique, verified result. Check your entries instead of treating a dash as a zero return.

Does XIRR guarantee future performance?

No. It estimates the annualized return implied by the dated cash flows you enter. Future investment performance can differ.

How many cash flows can I enter?

Enter between two and 100 cash flows. Use the final investment value as a positive receipt on the valuation date if the investment is still held.

XIRR Calculator

Estimate your annualized return from investments and receipts on different dates.

Under 1 minute

Updated 18 Oct 2026

Annualized XIRR

10%

Actual days · 365-day year

Total positive cash flows: ₹11,000
Total negative cash flows: ₹-10,000
Net cash flow: ₹1,000

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  src="https://calpaisa.com/embed/calculators/xirr-calculator/"
  width="100%"
  height="640"
  frameborder="0"
  loading="lazy"
  title="XIRR Calculator">
</iframe>

XIRR is a historical or scenario-based return estimate, not a guarantee of future performance. Include the final portfolio value as a positive cash flow on its valuation date when estimating an ongoing investment’s return.

XIRR estimates the annualized return for irregular cash flows using their actual dates and a 365-day year. Enter investments as negative amounts and money received as positive amounts.

Smart Insights

Generated from the numbers you entered — no guesswork.

Cash flows are ordered by date; entries on the same date are combined for the return calculation.
The annualized rate discounts these dated cash flows to a net present value of approximately zero. It does not guarantee future returns.

What is the XIRR Calculator?

What the tool does, who it is for and what it cannot tell you.

XIRR is the extended internal rate of return. Unlike a simple percentage gain, it accounts for when each investment and receipt occurs, making it useful for irregular contributions, withdrawals and portfolio valuations.

XIRR Calculator formula

The exact maths behind every number on this page.

Σ [Cᵢ ÷ (1 + r)^((dᵢ − d₀) / 365)] = 0

Cᵢ: Signed cash flow: negative for payments, positive for receipts
dᵢ − d₀: Actual calendar days since the earliest cash-flow date
r: Annualized XIRR as a decimal, greater than −1

The rate is solved numerically and checked against the formula. A dash is shown instead of an unverified result.

XIRR Calculator calculation example

Hypothetical example: invest ₹10,000 on 1 January 2025 and receive ₹11,000 on 1 January 2026.

1Initial investment−₹10,000
2Receipt after 365 days₹11,000
3Solve for annualized return11,000 ÷ 10,000 − 1 = 10%

Estimated annualized XIRR is 10%; net cash flow is ₹1,000. This is a hypothetical return, not a promised outcome.

Important assumptions

What this calculation includes, and what it leaves out.

Every cash flow must have a valid date and finite, non-zero amount; 2–100 rows are supported.
Dates are compared at UTC midnight using actual elapsed days and a fixed 365-day year, including leap-year days.
Net cash flow may be zero: a valid zero return is supported.
After same-date amounts are combined, only one chronological sign change is supported. Multiple sign changes may yield multiple rates and are rejected rather than selecting a potentially misleading result.
The numerical solver can fail for extreme inputs or rates close to −100%; no unverified rate is displayed.
Taxes, fees and any remaining portfolio value are included only if you enter them as cash flows.

Financial tips

Practical guidance to act on your result.

Use the actual transaction dates, not assumed monthly intervals.
Include fees as negative cash flows if you want them reflected in the estimate.

Frequently asked questions

Short, direct answers to the questions we hear most.

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Disclaimer

CalPaisa calculators are for general information and planning only. Results are estimates based on the values you enter and standard formulas, and may differ from the figures your bank, employer, or tax authority applies. Nothing here is investment, tax, or legal advice. Please confirm important decisions with a qualified professional. Read our financial disclaimer, learn how CalPaisa works, or tell us about a calculation you think is wrong.

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