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CalcTortoise

XIRR Calculator

Invested at different times? Enter each amount, how long ago you invested it and today’s value to find your true annual return.

Written by the CalcTortoise editorial team · How we work

Investment 1
months
Investment 2
months
Investment 3
months

Current value of everything above, plus anything already taken out.

Your return (XIRR)

12.15%

Your money grew at 12.15% a year. The plain gain is 30%, but that ignores how long each amount was invested. XIRR accounts for timing, so you can compare it with a deposit rate or a fund’s annual return.

Total put in
$20,000
Value today
$26,000
Gain
$6,000
Plain gain
30%

Illustration only, not investment, tax or legal advice.

Money put in and growth
Total$26,000
  • Put in$20,000 (76.9%)
  • Growth$6,000 (23.1%)

Each investment

InvestmentPut inWorth today at XIRR
#1, 3 years ago$10,000$14,104
#2, 2 years ago$5,000$6,288
#3, 1 year ago$5,000$5,607

How to use this calculator

  1. Add each investment: the amount and how many months ago you made it.
  2. Enter the value of everything today.
  3. Read your yearly return and compare it with a deposit rate.

Frequently asked questions

What is XIRR?

An annualised return that accounts for when each sum was invested. In the example, $20,000 invested over three years is now $26,000: a total gain of 30%, or 12.15% a year.

How does it differ from CAGR?

CAGR suits a single sum invested once. XIRR handles several contributions at different dates, such as monthly saving with occasional top-ups.

Why compare XIRR with a deposit rate?

Both are annual rates, so XIRR tells you whether the investment beat a safe alternative over the same period.

Sources and method

Standard compound-interest formulas, tested against worked examples. Nothing here depends on outside data; the rates you type in are your own assumptions.

No outside data is used. The numbers you type in are the only inputs.

Page and formula last reviewed . How we calculate · Editorial policy · Corrections and change log

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Last updated 10 October 2026. For information only — not financial advice. Check the final figures with your lender or bank.