Finance / Investing
XIRR Calculator
Calculate an annualised return from dated cash flows, with absolute return, endpoint-only CAGR and yearly cash-flow totals.
XIRR Calculator: Solves the dated discounted-cash-flow equation using actual elapsed days divided by 365. It starts with Newton’s method and falls back to a bracketed bisection search when needed. Absolute return compares total money in and out without timing. CAGR is shown only for endpoint-only flows within the CAGR calculator’s supported range. These are arithmetic measures, not investment advice. Runs 100% locally in your browser with zero server file uploads.
- Category
- Business & admin tools
- Runs
- In your browser
- Cost
- Free · no sign-up
- Availability
- Ready to use
Runs entirely in your browser
These are arithmetic tools, not investment advice. Enter every figure yourself; no market data is fetched.
Use YYYY-MM-DD dates, negative amounts for money out and positive amounts for money in. Include final holdings value as a positive flow on the valuation date. Dates are sorted; actual days are divided by 365. The rate solves Σ cash flow ÷ (1 + rate)^(days / 365) = 0.
Absolute return = total money in − total money out. Its percentage ignores timing. CAGR is shown only when all money out is on the first date and all money in is on the last date, within the CAGR calculator's supported range.
| Date | Cash flow |
|---|---|
| 2024-01-01 | -$1,000.00 |
| 2025-01-01 | $1,100.00 |
| Year | Net cash flow |
|---|---|
| 2024 | -$1,000.00 |
| 2025 | $1,100.00 |
Currency changes formatting only. It does not convert amounts.
Date convention
Microsoft XIRR documentation, actual days divided by 365: https://support.microsoft.com/en-us/excel/functions/xirr-function
Discounted amount = cash flow / (1 + annual rate)^(elapsed days / 365). Dates are validated and sorted; negative cash flows mean money out. For equally spaced flows, use the NPV and IRR calculator.
Returns and solver
Absolute return = total money in − total money out. Return on money out divides that difference by total outflows and ignores timing. Endpoint-only CAGR = (ending amount / beginning amount)^(365 / elapsed days) − 1. The starting guess selects one XIRR root. The fallback scans above −100% to 100,000,000%, then bisects a sign-changing bracket.
How to use it
- Paste date,amount rows with YYYY-MM-DD dates and negative money out or positive money in.
- Include final holdings value as a positive cash flow on the valuation date, and enter a starting rate guess.
- Read the annualised rate and absolute return, inspect yearly totals, or export the tables.
Privacy & limitations
All figures are entered by you and stay in your browser. No market data, tickers or prices are fetched. These are arithmetic tools, not investment advice.
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Frequently asked questions
Why does a 10% gain across 2024 show about 9.97%?
From 2024-01-01 to 2025-01-01 is 366 days. Solving −1000 + 1100 / (1 + r)^(366 / 365) = 0 gives r = 1.1^(365 / 366) − 1, or 9.9713586%.
Can there be more than one XIRR?
Yes. When cash flows change sign more than once, several rates or no rate may exist. Changing the starting guess can produce a different root. The fallback looks for sign-changing roots and does not catalogue every possible rate.
Why is CAGR sometimes not applicable?
CAGR compares a beginning amount with an ending amount. Intermediate deposits or withdrawals make that comparison misleading, so use XIRR for dated flows and the CAGR calculator for a simple start and end.
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