Annualised return for money paid in and taken out on irregular dates — what CAGR cannot handle.
| Date | Amount |
|---|---|
| 05 Apr 2021 | ₹-1,00,000 |
| 01 Jun 2022 | ₹-50,000 |
| 15 Jan 2024 | ₹40,000 |
| 11 Sep 2026 | ₹1,90,000 |
It finds the one annual rate at which every cashflow, discounted from its own date, adds up to zero. Because each amount is weighted by how long it was actually invested, it handles money added and withdrawn at irregular times — which is what a real portfolio looks like.
One line per cashflow: the date, then the amount. Money leaving your pocket is negative; money coming back is positive. Finish with today's date and the current value as a positive amount, as though you sold everything today. You need at least one of each sign or there is no rate to find.
XIRR is already annualised, so it compares directly with a fixed deposit rate or a fund's published return. It can be wildly high or low over very short periods — a 4% gain in three weeks annualises into a number nobody should quote.
Every figure above rests on a rate you chose. These pages use the prices that really occurred.
Not investment advice — read the disclaimer.