What is the sign convention?

Investments are negative; redemptions and the current portfolio value are positive.

Why do I need both positive and negative flows?

Without flows of both signs the equation has no real root — there is nothing to discount against.

Does this match Excel's XIRR?

Yes. We use the same actual/365 day-count and iterative root-finding approach as Excel and Google Sheets.

XIRR Calculator

Compute the annualised return on irregular cash flows — the same XIRR used by Excel and Google Sheets.

Inputs

Cash flows (one per line: YYYY-MM-DD, amount)

Use negative amounts for money invested and positive amounts for money received or the current value.

Result

XIRR

8.63%

4 cash flows

Total Invested200,000

Total Withdrawn / Current Value250,000

Net Gain50,000

Related calculators

CAGR Calculator

Calculate the Compound Annual Growth Rate between a beginning and ending value.

Lumpsum Calculator

Project the future value of a one-time lump-sum investment using compound growth.

SIP Calculator

Estimate the future value of a Systematic Investment Plan using the standard annuity-due formula.

SWP Calculator

Simulate a Systematic Withdrawal Plan month-by-month and see the remaining corpus over time.

Formula

Find r such that Σ CFi / (1 + r)^((di − d0)/365) = 0.

How it works

XIRR (Extended Internal Rate of Return) is the annualised return on a series of cash flows that happen on irregular dates — the standard measure for SIPs with top-ups and partial redemptions.

Example

Example: Invest ₹1,000 on 2020-01-01 and receive ₹2,000 on 2022-01-01 → XIRR ≈ 41.35%.

Frequently Asked Questions

Related Calculators

Investment

SIP Calculator

Estimate the future value of monthly SIP investments.

Investment

Retirement Calculator

Plan how much you need to save for retirement.

Investment

ROI Calculator

Calculate return on investment as a percentage.

Browse all investment calculators →

Disclaimer: Results are estimates for informational purposes only and should not be considered financial, medical, legal, or professional advice. Always consult a qualified professional before making decisions.