Irish Calculators
Saving & investing

XIRR Calculator for Dated Cash Flows

Enter cash flows with their actual dates to solve an annual return using Actual/365 timing. Some cash-flow patterns have no unique result, and solutions outside the stated search range are not reported.

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Your numbers

One YYYY-MM-DD, amount row per cash flow. Money paid out is negative; receipts are positive. Up to 60 flows.
Your figures stay on this device.

How the calculation works

XIRR measures a money-weighted annual return from dated cash flows. Unlike a simple profit percentage, it recognises that money received earlier and money paid in later have different time exposures.

Solve sum[CF[t] ÷ (1+r)^((date[t]−first date)/365)] = 0.

  1. Prepare the cash-flow boundary

    Include all external investments and receipts relevant to the measurement. For an investment still held, a terminal valuation must be represented as a receipt on its valuation date.

  2. Apply actual dated timing

    The engine sorts dated flows, combines amounts on the same date and measures elapsed days on an Actual/365 basis. Leap days affect elapsed days without changing the 365 denominator.

  3. Find a rate that balances value

    The solver looks for a rate at which all discounted positive and negative cash flows sum to zero. It reports absent or multiple solutions rather than choosing a favourable root silently.

Worked example: Check XIRR annual return

Sample inputs demonstrate the method. They are not a forecast or product offer.

The first example pays out 1,000 on 1 January 2026 and receives 1,100 exactly 365 days later. A 10% annual rate discounts the receipt back to 1,000, so the net present value is zero.

Date, cash flow
2026-01-01,-1000 2027-01-01,1100

Expected result

XIRR annual return
10%
Worked example: Check XIRR annual return

Sample inputs demonstrate the method. They are not a forecast or product offer.

Date, cash flow
2026-01-01,-1000 2028-01-01,1210

Expected result

XIRR annual return
10%

Understanding your result

The annual result weights both the size and timing of your contributions. It is not a time-weighted return that removes the effect of investor cash-flow decisions.

A cash-flow pattern may have no unique solution within the stated search interval. An error in that situation does not authorise removing inconvenient flows; consider NPV at an explicit discount rate instead.

Questions you might have

What does the result include?

Calculate a money-weighted annual return from dated cash flows, with checks for absent and multiple solutions.

Which limits should I check?

Search domain: −99.9999% to 99,999,900%. A solution outside it is not reported; cash-flow timing matters.

Choosing the right inputs

Date, cash flow
Use one date and signed amount per row in YYYY-MM-DD format. Investments paid out are negative and receipts are positive; up to sixty flows are supported.

Common mistakes to avoid

  • Do not use positive signs for both purchases and receipts.
  • Fees already included in net cash flows must not be added again as separate outflows.

Assumptions to check

  • Search domain: −99.9999% to 99,999,900%. A solution outside it is not reported; cash-flow timing matters.
  • All calculations run on your device. Figures are scenarios based on your inputs, not investment recommendations.

Sources and method

Read our calculation and testing approach.