Nivata Wealth

Financial Calculator • Educational Use

XIRR Calculator India\nDated Cash-Flow Returns

Calculate an annualised return when investments and receipts happen on different dates. Enter each cash flow with its date and whether it is money invested or money received.

Dated cash-flow returnNo sign-up
No stored inputsIllustrative mathematics only.

Quick Answer

How do you calculate XIRR for multiple investments?

Add every investment and receipt with its exact date. XIRR finds the annualised rate that makes the present value of all those dated cash flows equal to zero.

Change the Assumptions

Use Your
Own Numbers.

Inputs stay in your browser. Results are rounded for readability and illustrate mathematical scenarios rather than actual market performance.

Dated Cash FlowsAdd each investment and each amount received.

Use positive amounts; the Investment/Receipt choice applies the correct cash-flow direction.

Formula & Context

A Calculation Is
Not a Forecast.

How It Works

XIRR is the annual rate that makes the present value of all dated cash flows equal to zero.

Example

A single investment of ₹1,00,000 returned as ₹1,20,000 exactly two years later implies about 9.54% annualised return; actual XIRR uses the precise dates and can also handle additional contributions or withdrawals. Different cash-flow timing can change the answer substantially.

When It Is Useful

Use XIRR for portfolios with multiple dated investments, withdrawals or redemptions. The result depends on the cash flows entered and does not measure volatility, risk or future return.

Understand the concept

Before You Rely on the Number

Frequently Asked
Questions.

These answers explain the mathematics and limitations. They do not assess whether a particular investment or strategy is suitable for you.

How should I enter investments and withdrawals?

Choose Investment for money paid into the investment and Receipt for money received back, such as a withdrawal, dividend or final redemption value.

Why does XIRR use exact dates?

Because each cash flow is invested for a different length of time. Exact dates allow the calculation to account for those different holding periods.

Can XIRR have more than one mathematical solution?

Unusual cash-flow patterns can sometimes produce multiple mathematical solutions. The calculator is intended for ordinary investment cash-flow patterns with at least one outflow and one inflow.

Related Tools

Educational illustration only. Results depend entirely on the assumptions entered and do not constitute investment advice, a recommendation or an assurance of future outcomes.

Methodology reviewed: August 2026