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Finance · Local-first · Beta

XIRR Calculator

Solve an annualized return for irregularly dated cash flows with explicit sign and convergence checks.

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Trust record

Check the method before you rely on the result

Tier B · Runs locally in this browser
Method
Dated discounted-cash-flow root solving using a bounded Newton hint and deterministic bisection fallback.
XNPV(rate) = Σ cash flow ÷ (1 + rate)^((date − first date) ÷ 365); XIRR is the rate where XNPV = 0.
Sources
1 reviewed reference
Open the source register
Effective period
Formula-based; no statutory effective period
Last verified
9 August 2026
Review every 90 days
Reviewer status
Finance-method review: external review pending
Privacy
Finance inputs and results stay in this browser. Values are not sent to analytics, a backend, a URL or a log, and are not saved by default. Rates and returns are user-entered assumptions, not guarantees or lender recommendations.
Important limitations
  • At least one negative and one positive cash flow are required. Dates and amounts must be entered exactly as recorded.
  • Multiple roots or unusual cash-flow patterns can make interpretation difficult; the tool reports no-solution or non-convergence errors instead of guessing.

Read all limitationsReport an error

Browse Finance · Methodology · Sources

A quick guide

Use the number with context

The answer is only useful when you know what it includes and what it leaves out.

How to use it

  1. Enter dated cash flows using the format shown below the field.
  2. Enter starting guess (optional) using the same currency and period assumptions as the other fields.

Formula

XNPV(rate) = Σ cash flow ÷ (1 + rate)^((date − first date) ÷ 365); XIRR is the rate where XNPV = 0.

XIRR annualizes the dated cash-flow sequence you enter; it does not judge whether the result is good or suitable.

Make it concrete

Worked example

Investing ₹1,00,000 on 1 January and receiving ₹1,10,000 one year later produces an XIRR close to 10%.

Boundaries

What this tool does not assume

Limitations

  • At least one negative and one positive cash flow are required. Dates and amounts must be entered exactly as recorded.
  • Multiple roots or unusual cash-flow patterns can make interpretation difficult; the tool reports no-solution or non-convergence errors instead of guessing.

Edge cases

  • A one-year pair of equal-and-opposite cash flows is a useful cross-check fixture.
  • Cash flows with no valid sign change cannot produce a meaningful XIRR in this model.

Last reviewed 9 August 2026 · Formula version 1.0

Method & sources

How this result is grounded

The formula is deterministic and runs in your browser. Read the reference below for the method used by this tool.

  • Finance calculation methodology v1

    KarobarKit controlled methodology · authoritative reference · Checked 9 August 2026

    Supports: EMI and amortization arithmetic · SIP and FD illustrations · XIRR dated-cash-flow solving · loan comparison assumptions and limitations

Questions

Frequently asked

Why do dates matter for XIRR?

Each cash flow is discounted for its actual number of days from the first date, so irregular timing changes the annualized result.

What happens if the solver cannot find a rate?

The tool returns a clear validation error. It does not silently replace the cash flows or return a guessed number.

Keep going

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Source register checked 9 August 2026.