What is a XIRR Calculator?
Most real portfolios don't move in one clean lumpsum — money goes in and out on different dates, in different amounts: SIP instalments, a bonus top-up, a partial withdrawal. XIRR (Extended Internal Rate of Return) is the annualised return measure built for exactly this: it finds the single rate that makes the present value of every cash flow, on its actual date, net to zero.
Add each investment (as a negative outflow) and withdrawal or current value (as a positive inflow) with its date, and the calculator solves for XIRR numerically.
What XIRR solves for
There’s no algebraic way to isolate XIRR from this equation, so it’s solved numerically (this calculator uses Newton-Raphson with a bisection fallback) — the same underlying approach spreadsheet XIRR functions use.
Frequently asked questions
What sign should each cash flow have?
Money you invested (money leaving your pocket) should be negative. Money you received — withdrawals, or the current value of what you still hold, entered as a final row — should be positive.
Do I need to include today’s value if I still hold the investment?
Yes. Add one final positive row dated today for the current market value of your holding — without it, the calculation only reflects money that has actually been returned to you.
Why might the calculator fail to find a rate?
XIRR needs at least one negative and one positive cash flow to solve — if every entry has the same sign, or the dates/amounts don’t allow a solution to converge, it will show an error.