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XIRR Calculator

XIRR Calculator is part of Toolspire and is ready as soon as this page loads. Money you invest is negative. Money you receive, including today’s value, is positive. Dates decide how long each rupee was invested.

Runs in this tabFreeNo account

On this page

What you can do here

Uneven dates

Extra purchases and a partial sale can sit on any day.

SIP-style result

This is the annualised number fund apps label XIRR, not a simple point-to-point CAGR.

Fails honestly

If every amount has the same sign, the page refuses instead of inventing a rate.

The sequence

How to calculate XIRR

  1. 1

    List purchases as negatives

    Each line is a date, a comma, and the amount. A buy of 10,000 on 1 Jan 2025 is 2025-01-01, -10000.

  2. 2

    Add money that came back

    Dividends and sales are positive. So is the value of units you still hold, dated today.

  3. 3

    Read the annual rate

    10% a year means the dated flows behave like a 10% compound return, not that every rupee earned 10%.

Worth knowing

  • XIRR Calculator on Toolspire: XIRR is the annual rate that sets the present value of every dated cash flow to zero.
  • Investments are negative. Redemptions and the current value are positive.
  • ₹1,000 invested and ₹1,100 returned exactly one year later is about 10% XIRR.
  • The year count is actual days divided by 365, so a SIP instalment from June is not treated as a full year.

XIRR is not CAGR

CAGR uses one start value, one end value and one time span. A SIP has many start dates. XIRR gives each instalment credit only for the days it was actually invested, which is why a fund that “returned 12% CAGR” on its NAV can show a lower XIRR on your SIP.

FAQ

Questions about XIRR Calculator

Where does XIRR Calculator run?

XIRR Calculator runs in this tab on Toolspire. What you type or drop in is not sent to us and is not stored on a server.

What is XIRR?

The annualised return for cash flows that are not evenly spaced. It is the right figure for a SIP, a staggered stock purchase, or a private investment with odd dates.

Why are my investments entered as negative?

The formula treats cash you pay as an outflow. Cash you could withdraw is an inflow. Mixing up the signs produces a nonsense rate.

Which date do I use for units I still hold?

Today’s date, and the amount you would receive if you redeemed at the latest NAV. Leaving that value out ignores the investment that is still working.

Can two flows on the same day be combined?

Yes. Add the amounts if they share a date, or keep them on separate lines. The rate uses the date, not the number of lines.

Keep going

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