IRR with irregular cash-flow dates. The XIRR Calculator takes investment date, amount invested, redemption date, amount received and returns annualized return (xirr) plus days held, total return. Results update as you type, and the formula is shown under the result so you can repeat it in your own spreadsheet.
Investment maths is about comparing money at different points in time on a fair basis. Compound rates, discounting and annualised returns let you compare options of different sizes and durations. Use the worked example below to check the maths against your own figures.
How the XIRR Calculator works
XIRR annualises a return using the exact number of days between cash flows, so an investment held 2 years and 8 months is not treated as 3 years. This version handles one investment and one redemption; use a spreadsheet XIRR for many dated flows.
Worked example
With the example values (investment date 2024-01-15, amount invested of ₹100,000, redemption date 2026-09-05, amount received of ₹130,000), the annualized return (xirr) is 10.44%; days held 964 days, total return 30%. Change any figure above and the result updates immediately; use Copy results to paste the summary into a note or email.
Assumptions and limits: Single purchase and single redemption only.
Related Calculators
Frequently Asked Questions
How is annualized return (xirr) calculated?
XIRR = (amount received ÷ amount invested)365 ÷ days − 1.
Which figures do I need?
Investment date, amount invested, redemption date, amount received. Take them from the same period and the same set of accounts or reports so the ratio is consistent, and check the example values as a guide to the units expected.
Does the calculator account for taxes and fees?
Only where there is an input for them. For a true net return, add fees and taxes to your inputs or use the stock and crypto profit calculators, which include them.
What assumptions does this calculator make?
Single purchase and single redemption only.
