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XIRR
Free online XIRR calculator. Calculate Extended Internal Rate of Return (XIRR) for investments with irregular cash flows and dates. Free online XIRR calculator with step-by-step results. Learn how to interpret results and see step-by-step examples before using the interactive tool.
2 inputsxirrextended internal rate of returnirregular cashflow
Open interactive calculatorAdvanced Finance Calculators
When to use it
  • Use it when you need a quick decision-ready view for XIRR.
  • Use it when you want to understand the formula and inputs before switching to the interactive tool.
  • Use it when comparing investment, loan, or capital allocation scenarios.
Key inputs
  • Cashflows (comma separated)
  • Dates (YYYY-MM-DD, comma separated)
Worked example
Measure annualized return when deposits, withdrawals, dividends, or exit proceeds happen on irregular dates.

Example inputs

  • Cash flows: -10000, -5000, 18000
  • Dates: 2023-01-01, 2023-09-01, 2025-01-01
  • Negative values are investments; positive values are returns.

Formula logic

XIRR solves the annual rate that makes the date-weighted present value of all cash flows equal zero.

How to read the result

XIRR is more accurate than CAGR when cash-flow timing matters. Check whether the final result is driven by one late or early cash flow.

Common mistakes
  • Entering all cash flows as positive numbers.
  • Using inconsistent date formats.
  • Comparing XIRR with CAGR without explaining the cash-flow difference.
Validate the assumption
Compare with IRRUse regular-period cash-flow analysis.Check NPVDiscount cash flows with a required return.
Common questions
What is XIRR best used for?

Calculate Extended Internal Rate of Return (XIRR) for investments with irregular cash flows and dates. Free online XIRR calculator with step-by-step results. This page explains the main inputs and output interpretation before you switch into the full calculator.

When should I use the interactive XIRR tool?

Use the interactive tool when you already know your assumptions and want detailed tables, charts, or CSV export.

What inputs does the XIRR use?

The formula uses the following inputs: Cashflows (comma separated), Dates (YYYY-MM-DD, comma separated). Enter them in the calculator above to get precise results.

Is the XIRR free to use?

Yes, The Capital Deck's XIRR is completely free with no sign-up required.

Can I use the XIRR on mobile?

Yes, the calculator works on all modern browsers on desktop and mobile devices.

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