XIRR Calculator for irregular investments
Enter each investment and withdrawal with its real date. XIRR gives you one annualised return that accounts for how long each rupee was actually invested.
Across 6 transactions, these cash flows work out to an annualised return (XIRR) of 8.47%.
Your XIRR
8.47%
Like a fixed deposit paying this much per year, adjusted for the fact you invested at different times, not all at once.
Cash flow timeline
Frequently asked questions
How do I calculate XIRR for irregular investments?
Enter each transaction as its own row with its actual date and amount, marking it as an investment or a withdrawal, then add your current value as a final withdrawal row. The calculator solves for the single annualised rate that makes all those dated cash flows balance.
How do I enter a withdrawal or redemption?
Add a row with the date and amount and set its type to withdraw. Your current portfolio value should also be entered as a withdrawal row on today’s date, since it represents money you could take out.
Why can’t my XIRR be calculated?
XIRR needs at least one investment and one amount coming back out to have a solution. If every row is an investment, or every row is a withdrawal, there is no rate that balances the cash flows, so no XIRR exists for that set.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance does not guarantee future returns. These figures are estimates shown before tax, and are for information only — not investment advice.