XIRR Calculator
Verified Calculation Engine
The online XIRR Calculator helps you calculate instantly and solve problems related to Investing. This tool provides accurate results using standard formulas and step-by-step calculation; you can view the formula with example in the calculator where available. Whether you are a student, teacher, or professional, this calculator simplifies complex calculations and saves time. Enter the required values below and get instant results. Results are shown clearly, with optional step-by-step explanation where applicable. The tool is free to use and works in any modern browser—no download or installation required. Bookmark this page for quick access whenever you need reliable Finance Money calculations.
Calculate Extended Internal Rate of Return for irregular cash flows
XIRR solves: Σ(CF_i / (1 + r)^((Date_i - Date_0)/365)) = 0
Extended IRR accounts for irregular timing of cash flows
Inputs
Results
Worked Examples
Example 1: Irregular Investments
Calculate XIRR for investments: -₹1L on Jan 1, -₹50K on Jun 1, +₹2L on Dec 31
- cashFlows: [ -100000, -50000, 200000 ]
- dates: [ "2023-01-01", "2023-06-01", "2023-12-31" ]
- xirr: 33.33
Example 2: Multiple Investments
Calculate XIRR for investments: -₹2L on Jan 1, -₹1L on Apr 1, -₹1L on Jul 1, +₹5L on Dec 31
- cashFlows: [ -200000, -100000, -100000, 500000 ]
- dates: [ "2023-01-01", "2023-04-01", "2023-07-01", "2023-12-31" ]
- xirr: 25
About this calculator
Overview
This XIRR Calculator estimates xirr under the return, contribution, and time assumptions you enter (investing).
When to use
Use it for scenario planning and comparing contribution or return assumptions. Markets are not guaranteed by these illustrations.
Inputs explained
- Cash Flows [required]: Array of cash flows (negative for investment, positive for returns)
- Dates [required]: Array of dates corresponding to cash flows
Formula / method
XIRR solves: Σ(CF_i / (1 + r)^((Date_i - Date_0)/365)) = 0 — Extended IRR accounts for irregular timing of cash flows (as implemented for `xirr`).
Worked example
Example: Calculate XIRR for investments: -₹1L on Jan 1, -₹50K on Jun 1, +₹2L on Dec 31 (inputs cashFlows = [-100000, -50000, 200000], dates = ['2023-01-01', '2023-06-01', '2023-12-31']; outputs xirr = 33.33).
Interpreting results
Higher assumed returns or longer horizons raise projected xirr nonlinearly when compounding applies. Always compare a conservative case with an optimistic case.
Assumptions
- Returns or growth rates remain constant unless the tool models steps/inflation explicitly.
- Contributions follow the cadence implied by the inputs.
- Taxes, expense ratios, and exit loads are omitted unless present as fields.
Limitations
- Past or assumed returns do not guarantee future results.
- Liquidity, credit, and market risks are not simulated beyond the simple model.
Important note
Educational illustration only. Not investment, tax, credit, or financial advice. Confirm figures with your provider, lender, or tax professional.
How to Use This Calculator
- Enter the required values in the input fields.
- Click the Calculate button.
- View the computed result instantly.
Formula Used
XIRR solves: Σ(CF_i / (1 + r)^((Date_i - Date_0)/365)) = 0 — Extended IRR accounts for irregular timing of cash flows (as implemented for `xirr`).
Example Calculation
Example: Calculate XIRR for investments: -₹1L on Jan 1, -₹50K on Jun 1, +₹2L on Dec 31 (inputs cashFlows = [-100000, -50000, 200000], dates = ['2023-01-01', '2023-06-01', '2023-12-31']; outputs xirr = 33.33).
Frequently Asked Questions
What is XIRR Calculator?
- This XIRR Calculator estimates xirr under the return, contribution, and time assumptions you enter (investing).
How does XIRR Calculator work?
- XIRR solves: Σ(CF_i / (1 + r)^((Date_i - Date_0)/365)) = 0 — Extended IRR accounts for irregular timing of cash flows (as implemented for `xirr`).
Why use this Finance Money calculator?
- Use it for scenario planning and comparing contribution or return assumptions. Markets are not guaranteed by these illustrations.