Calculate the Internal Rate of Return for irregular cash flows with actual dates — just like Excel's XIRR function. Perfect for SIP investments, real estate, or any non-periodic investment.
Cash Flows with Dates
Enter cash flows (negative = outflow/investment, positive = inflow/return)
📅 Cash Flow Entries
Use negative values for money invested/paid out, positive values for money received back
$
Initial Investment
$
Add-on
$
Partial withdrawal
$
Final value
XIRR (Annualized Return)
—
—
Total Invested
$—
XIRR
—
Total Received
—
Total Invested
—
Net Gain
—
FAQ
What is XIRR?
XIRR stands for Extended Internal Rate of Return. Unlike IRR (which assumes equal time intervals), XIRR accounts for actual dates between cash flows. It's the annualized rate of return that makes the Net Present Value of all cash flows equal to zero.
When do I use XIRR vs IRR?
Use IRR for equal-interval cash flows (annual, quarterly). Use XIRR whenever your investments or withdrawals happen on irregular dates — SIP investments, real estate deals, VC/PE investments, dividend reinvestment with irregular timing.
Why must there be at least one negative and one positive flow?
XIRR measures the return from investing (negative) and receiving back (positive). Without at least one of each, there's no 'rate of return' to calculate — it would be like asking the return on a gift.