XIRR Calculator - Extended Internal Rate of Return
Free online XIRR calculator. Calculate the annualized internal rate of return for irregular cashflows and investments.
Inputs
🔒 Local ProcessingHow to Use This Calculator
- Enter investment amount, holding years, and ending portfolio value.
Formula & Mathematical Method
Solves discount rate that zeroes net present value of cash flows.
0 = Σ [ C_i / (1 + XIRR)^((d_i - d_0) / 365) ]Explanation of Variables
| Symbol | Variable Name | Description & Role in Calculation |
|---|---|---|
| C_i, d_i | Cash Flows & Dates | Amounts and chronological dates of contributions. |
Worked Calculation Examples
$10k grown to $14.5k in 3 years
Scenario: 3-year return.
Interpretation of Results
Review your calculated returns, periodic commitments, or asset projections to evaluate financial feasibility. Results distinguish between principal invested, accumulated interest or capital gains, and effective yield rates.
Primary Financial Output
The core economic value resulting from your input parameters and compounding frequency.
Key Context: Always compare this projection against alternative asset allocations and inflation benchmarks.
Practical Use Cases
Personal Financial Planning
Establish realistic monthly savings, borrowing, or investment targets to meet milestones.
Credit and Debt Evaluation
Quantify the true long-term interest cost of borrowing before signing binding loan agreements.
Limitations & Key Assumptions
- Projections assume constant interest rates and unvarying compounding cycles over the entire horizon.
- Excludes external macroeconomic variables such as inflation, regulatory taxation changes, or brokerage transaction fees.
- Financial calculators provide mathematical projections for educational planning and do NOT constitute certified investment advice.