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Mutual fund calculators · Dated investor cash flows

Mutual Fund XIRR Calculator

Created by Arunangshu DasReviewed

Calculate a personal annualized return using dated mutual fund purchases, cash receipts and any remaining holding value.

Review the signed cash-flow schedule and see when it supports one or several annual rates.

Fund transactions and remaining value

Use the full cash history of one holding. Enter positive amounts. Purchases become negative flows. Include only cash received for redemptions or distributions.

Transaction 1
Value of units still held

Use the remaining value after transactions on that date. Exclude amounts already entered as cash received. Include reinvested distributions only through the value of the resulting units.

Up to 24 transactions. Use dates from 1900 through 2100 and ungrouped amounts up to 10^10 with at most eight fractional places. Currency selection changes formatting only.

Annual XIRR · actual/365

Enter every date and amount, then calculate, or load a verified example. Solver code loads on first calculation.

Conventional schedules use a proven unique-root method. Nonconventional schedules require reduced degree ≤ 24; others are inconclusive. Reporting range: greater than −99.9999999999%, less than 100000000% annually. No clipping or partial root lists. Inputs stay in browser memory; after the solver loads, calculation works offline.

Understand what drives the projection

See how cash-flow signs, the valuation date and same-day entries affect the result.

Read the complete Mutual Fund XIRR guide

Formula and methodology

XNPV = Σ cash flow ÷ (1 + annual rate)^(elapsed days / 365) = 0.

Solve for an annual rate r greater than −100% such that Σ Cᵢ ÷ (1 + r)^(dᵢ/365) = 0. Here dᵢ is the actual number of elapsed days from the earliest date. Net same-day entries exactly before root isolation.

Definitions

Mutual fund XIRR is a personal money-weighted annual rate for dated cash flows in one holding. Purchases are outflows. Cash distributions, redemptions and a supplied remaining holding valuation enter as positive amounts.

Verified worked examples

A purchase of 1,000 on 2022-01-01, a cash redemption of 200 on 2023-01-01 and remaining value of 900 on 2023-01-01 give XIRR of 10%. The normalized flows are −1,000 and +1,100 exactly 365 days apart.

Interpretation

A unique reported rate describes the supplied schedule. Multiple roots give no unique annual rate. A no-root, inconclusive or outside-range result has a different meaning and should be read with its explanation.

Inputs and interpretation

Select open or closed holding, add each transaction with its type, date and positive magnitude, and enter the date and remaining value if open. Review the signed net flows before interpreting the result.

Assumptions and limitations

Use the full history of one holding in one currency. The earliest transaction date includes a purchase. The valuation date is on or after all entered transactions. Value the remaining units after any same-day transactions.

Supported domain and common mistakes

Use up to 24 transactions with amounts through 10^10 and up to eight fractional places. Dates range from 1900-01-01 through 2100-12-31. The solver reports rates greater than −99.9999999999% and less than 100000000%. Nonconventional schedules beyond its reduced-degree limit of 24 are inconclusive.

Do not enter reinvested distributions as cash received or include already redeemed units in remaining value. Keep fund performance, personal XIRR and lump-sum CAGR distinct.

Frequently asked questions

How do I calculate XIRR for my mutual fund?
Enter each dated purchase, redemption and cash distribution. Include remaining value once for an open holding. The tool signs the cash flows and solves for an annual rate that sets discounted net cash flow to zero.
Do I enter purchase amounts as negatives?
Enter positive magnitudes. The purchase label makes the solver entry negative from the investor perspective.
What do I enter for a partial redemption?
Enter the cash received and its date. If units remain, value only those units at the valuation date.
Should I enter reinvested distributions?
Leave internal reinvestments out of the external cash-flow rows. The resulting units are reflected in remaining value or their later redemption.
What if I have sold the entire holding?
Choose Closed and enter the actual proceeds as a cash redemption. Closed mode uses cash transactions only.
Can a fund have more than one XIRR?
Yes. Multiple sign changes in net cash flows can allow multiple rates. The solver displays supported roots or reports the ambiguity it could not resolve.

Sources and educational scope

Educational calculation based on supplied amounts and dates. It does not infer units, NAV, fees, taxes, FX or future returns and does not provide personalized investment advice.

Reviewed . AI-assisted content under operator editorial responsibility. No independent expert financial review is claimed.

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