XIRR Calculator

XIRR is evaluated from Date 1, Cash Flow 1 and Date 2. The calculation reports XIRR, Total Invested and Total Returned.

Results

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About the XIRR Calculator

XIRR is treated here as a quantitative relation between Date 1, Cash Flow 1, Date 2 and Cash Flow 2 and XIRR, Total Invested and Total Returned.

The calculator uses a custom php logic configuration. Each reported value is read as a direct evaluation of the stored rules with the declared field formats and units.

Formula basis:
XIRR solves for `r` in:
Sigma [CF_i / (1 + r)^(d_i / 365)] = 0
Where d_i = number of days from the first cash flow date to the i-th date
This is solved iteratively using Newton-Raphson method. The result is the annualized discount rate that zeros out the NPV of all cash flows.

Interpret the outputs in the order shown by the result fields. Optional inputs affect only the outputs that depend on those variables.

Formula & How It Works

The calculation applies the following relations exactly as recorded in the metadata:

XIRR solves for `r` in:
Sigma [CF_i / (1 + r)^(d_i / 365)] = 0
Where d_i = number of days from the first cash flow date to the i-th date
This is solved iteratively using Newton-Raphson method. The result is the annualized discount rate that zeros out the NPV of all cash flows.

Each output field is produced by substituting the supplied inputs into the relevant relation and then applying the declared rounding or text format.

Worked Examples

Example 1: Real Estate Rental Property

Inputs

date_1: 2021-03-15 amount_1: -350000 date_2: 2021-09-15 amount_2: 12000 date_3: 2022-09-15 amount_3: 24000 date_4: 2023-09-15 amount_4: 24000 date_5: 2024-03-15 amount_5: 430000
XIRR: 12.64%. Total Invested: $350,000. Total Returned: $490,000

With Date 1 = 2021-03-15, Cash Flow 1 = -350,000, Date 2 = 2021-09-15 and Cash Flow 2 = 12,000 as the stated inputs, the result is XIRR = 12.64%, Total Invested = $350,000 and Total Returned = $490,000. Each value corresponds to the declared output fields.

Example 2: Irregular Stock Investments

Inputs

date_1: 2020-01-10 amount_1: -10000 date_2: 2020-07-15 amount_2: -5000 date_3: 2021-04-20 amount_3: -3000 date_4: 2022-11-01 amount_4: -2000 date_5: 2024-01-10 amount_5: 28500
XIRR: 10.86%. Total Invested: $20,000. Total Returned: $28,500

With Date 1 = 2020-01-10, Cash Flow 1 = -10,000, Date 2 = 2020-07-15 and Cash Flow 2 = -5,000 as the stated inputs, the result is XIRR = 10.86%, Total Invested = $20,000 and Total Returned = $28,500. Each value corresponds to the declared output fields.

Example 3: Business Investment with Dividends

Inputs

date_1: 2022-06-01 amount_1: -50000 date_2: 2023-02-01 amount_2: 8000 date_3: 2023-08-01 amount_3: 8000 date_4: 2024-02-01 amount_4: 9000 date_5: 2024-08-01 amount_5: 62000
XIRR: 34.96%. Total Invested: $50,000. Total Returned: $87,000

With Date 1 = 2022-06-01, Cash Flow 1 = -50,000, Date 2 = 2023-02-01 and Cash Flow 2 = 8,000 as the stated inputs, the result is XIRR = 34.96%, Total Invested = $50,000 and Total Returned = $87,000. Each value corresponds to the declared output fields.

Example 4: Simple 2-Date Comparison

Inputs

date_1: 2021-01-01 amount_1: -25000 date_2: 2024-01-01 amount_2: 35000
XIRR: 21.74%. Total Invested: $25,000. Total Returned: $51,000

With Date 1 = 2021-01-01, Cash Flow 1 = -25,000, Date 2 = 2024-01-01 and Cash Flow 2 = 35,000 as the stated inputs, the result is XIRR = 21.74%, Total Invested = $25,000 and Total Returned = $51,000. Each value corresponds to the declared output fields.

Common Use Cases

  • Calculate annual return on a private equity or real estate investment
  • Find the true return rate for irregular SIP or lump sum investments
  • Evaluate a business investment with non-uniform cash flows