Measure annualized return using actual investment dates, cash flows and a closing portfolio value.
Money invested is negative. Money received is positive. Include an unsold holding's final estimated value as a positive closing flow. Use one currency throughout.
Rows are sorted by date and same-day flows are combined. Patterns with more than one net sign change are flagged rather than assigned a potentially ambiguous return.
Actual calendar days divided by 365; XIRR is annualized even for a short holding period. Same-date cash flows are netted before solving. Includes only entered transactions and closing value, not automatically fetched fees, tax or prices.
| Date | Net cash flow |
|---|---|
| 2025-01-01 | -100,000 |
| 2026-01-01 | 60,000 |
| 2027-01-01 | 60,000 |
Method: XIRR solves Σ cash flow / (1 + r)^(elapsed days / 365) = 0. Investments are negative and proceeds or a closing valuation are positive. Rows are sorted, same-day amounts are netted, and valid dates from 1900 through 2200 are supported. The 365-day denominator remains fixed across leap years.
Inputs used: 2025-01-01 = -100000; 2026-01-01 = 60000; 2027-01-01 = 60000
Assumptions: The result uses the values, units and options shown in the input snapshot.
Scope and warnings: Actual calendar days divided by 365; XIRR is annualized even for a short holding period. Same-date cash flows are netted before solving. Includes only entered transactions and closing value, not automatically fetched fees, tax or prices. Rounding and excluded real-world terms can make an external result differ.
Microsoft: XIRR and 365-day discounting · As stated by the source · effective As published · reviewed 2026-09-12
medium confidence · Deterministic calculation
Linked as a method or contextual reference; calculator inputs remain visible and editable where applicable.
Exclusions: Source applicability and any jurisdictional limits remain those stated by the publisher.
XIRR solves Σ cash flow / (1 + r)^(elapsed days / 365) = 0. Investments are negative and proceeds or a closing valuation are positive. Rows are sorted, same-day amounts are netted, and valid dates from 1900 through 2200 are supported. The 365-day denominator remains fixed across leap years.
Invest ₹1,00,000 on 1 January 2025 and receive ₹1,10,000 on 1 January 2026: XIRR is 10%. For 1 January 2024 to 1 January 2025, 366 actual days make the annualized result slightly below 10% under the fixed 365-day convention.
Enter contributions as negatives, actual withdrawals or paid-out distributions as positives, then add the current holding value as one positive flow on its valuation date. Do not count that value again as a withdrawal. Multiple net sign changes are flagged because this version does not choose between potentially ambiguous returns.
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For an unsold portfolio, the final positive amount is its value on a specific date. That is an assumed realization for measurement, not a cash sale. Reinvested distributions should not be added again if already reflected in the holding's closing value.
Cash flows on the same date are combined before solving, and row order does not alter the result. The headline is annualized even if only a few weeks elapsed. The supported search range is −99.9999% through 100,000,000%; out-of-range or ambiguous patterns produce an explanation instead of a fabricated rate.
Published by ToolMitra — methods and editorial approach.