1 Pick a mode
Use Simple Mode for SIP-style contributions, or Advanced Mode for custom cash flows.
We’ll create monthly Investments and one final Redemption for you.
2 Review or edit your cash flows
Each row = one transaction. Investments are money you put in (negative). Redemptions are money you get back (positive).
| Date | Amount | Type | Actions |
|---|
3 Calculate & understand your return
Tip: If you see “Need at least one Investment and one Redemption,” add both types—XIRR needs cash going out and coming back.
4 How the calculator works (in detail)
Step 1 — You provide cash flows
Each row is a transaction with a Date, Amount, and Type:
- Investment = money out → stored as negative.
- Redemption = money in → stored as positive.
- We sort by date and use the first date as reference.
Step 2 — Discount to present (XNPV)
Step 3 — Solve for r where XNPV=0 (XIRR)
- Newton–Raphson (fast)
- Bisection fallback (stable)
Result & summary
- XIRR %
- Total invested / value / gain
- Duration (days)
Why Choose xirrcalculator.org?
📅 Exact Date Accuracy
Uses exact day difference for each cash flow instead of rough monthly/yearly approximations.
⚡ Fast & Easy
Add investments manually or use our CSV import & SIP generator in seconds.
📱 Fully Responsive
Optimized for mobile, tablet, and desktop — no installs, just open and use.
📊 Clear Results
Instantly see XIRR, invested amount, value, net gain, and duration in a clean layout.
🔍 Transparent Calculations
We explain exactly how XIRR is computed, so you can verify the math yourself.
🌍 Free & Accessible
Completely free to use, works worldwide, and supports multiple currencies.
? What is XIRR?
XIRR is the annualized return that makes the discounted value of all your cash flows equal zero, using their exact dates.
ℹ FAQ
Why are investments negative?
Money you invest leaves your pocket (negative). Money you receive is positive.
What if it fails to compute?
Ensure at least one negative and one positive flow; use a different guess like 0.15.