How it works
CAGR assumes one amount in and one amount out. XIRR handles any number of payments on any dates, which is how real investments such as SIPs, top-ups and partial withdrawals work.
Type one line per cash flow: the date, then the amount. Money you put in is negative. Money you receive, including what your investment is worth today if you sold it, is positive.
The calculator finds the yearly rate at which all the cash flows, adjusted for the time between them, add up to zero. That is the same method spreadsheet XIRR functions use.
The formula
Find r such that: sum of [ amount ÷ (1 + r) ^ (days since first date ÷ 365) ] = 0
The result is found by repeated search, since the equation cannot be solved directly.
A worked example
Five payments of ₹10,000 between January 2023 and January 2025 and a final value of ₹62,000 on 10 January 2026 give the sample result shown above. Paste your own dates and amounts to replace it.
Frequently asked questions
How do I enter my current investment value?
Add a last line with today’s date and the current value as a positive amount, as if you had withdrawn everything on that day.
Why does it say it cannot calculate?
It needs at least one negative and one positive amount on different dates. Some odd patterns of cash flows also have no valid answer.
Is XIRR the same as the return my fund app shows?
Usually close. Apps use actual dates of unit allotment, which can differ by a day or two from the dates you enter.
Is the result guaranteed to continue?
No. XIRR describes the past. It says nothing about what the investment will return next.