Same idea: Newton on NPV of dated cash flows with a 365.25-day year. Tiny differences vs Excel are rounding.

Money you invest is negative. Withdrawals and the ending value are positive.

XIRR handles irregular dates. That is why SIPs, STPs, and real-estate cash flows use it instead of CAGR.

Yes. All-negative or all-positive series cannot converge.

Runs in your browser · Last updated 4 September 2026

Free XIRR Calculator — Dated Cash Flows

Free XIRR calculator. Compute XIRR from dated cash flows in your browser — same job as Excel, no spreadsheet upload. Nothing is uploaded.

Cash flows — YYYY-MM-DD,amount (negative = invest)

4 flows

10.99%

Annualized XIRR

How to use this tool

Microsoft’s classic series (−10,000 on 2008-01-01, then four inflows) returns about 37.34%. Use that as a smoke test if you change the sample.

Is this Excel XIRR?: Same idea: Newton on NPV of dated cash flows with a 365.25-day year. Tiny differences vs Excel are rounding.
Sign convention?: Money you invest is negative. Withdrawals and the ending value are positive.
SIP vs lumpsum?: XIRR handles irregular dates. That is why SIPs, STPs, and real-estate cash flows use it instead of CAGR.
Need both signs?: Yes. All-negative or all-positive series cannot converge.
Uploaded?: No.