XIRR Calculator
Calculate XIRR from dated cash flows. Investments are negative, money you received is positive. The day count matches Excel: 365 days a year.
How it is calculated
Find r where the sum of amount ÷ (1 + r)^(days/365) is zero
- Days are counted from the earliest cash-flow date on a 365-day year, which is Excel's XIRR convention.
- A negative amount is money you paid in. A positive amount is money you received, including a closing value.
- The sample rows are a published worked example, not your portfolio. Replace them.
This is a projection or a description of the numbers you type. It is not financial advice.
When the dates are uneven
CAGR assumes one start and one end. XIRR is for money that moved on several dates: a SIP, a partial withdrawal, a redemption. Each row is a date and an amount.
The opening rows are a documented example so the page is not blank. They are not a fund, and they are not a rate Ganana claims to know. Clear them and enter your own dates.
Questions
Why are investments negative?
XIRR treats cash leaving your pocket as negative and cash coming back as positive. A closing value, if you have not sold, is entered as a positive amount on today's date.
Does this match Excel?
It uses the same 365-day year and solves for the rate that sets the present value of the flows to zero. Excel reports about 37.34% for the sample rows.
What if it cannot find a rate?
Some patterns have no single rate, or more than one. The page will say so. Check that you included both money in and money out, and that the dates differ.
Should SIP installments be negative?
Yes. Each installment you paid is negative. The current value of the holding, dated today, is positive.
Is the sample a real return I earned?
No. Replace the sample dates and amounts with your own before you rely on the figure.