# XIRR calculator

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Your portfolio's true annual return, computed from the dates and sizes of the deposits and withdrawals you actually made. Type them in or upload a broker CSV — the same XIRR as Excel, without the spreadsheet.

> Each calculator serializes its inputs into the URL query string of its interactive page, so a filled-in scenario is a shareable link.

## What XIRR tells you that a simple return can't

A simple return divides profit by everything you ever paid in — as if every deposit had been working from day one. But money you added last month barely had time to work, and money you withdrew stopped working the day it left. XIRR (the same function Excel ships) fixes this: it finds the one annual rate that makes all your dated cashflows and today's portfolio value add up, weighing every deposit and withdrawal by the time it was actually invested. That makes it the honest way to compare your investing against an ETF, a savings account or someone else's portfolio. This calculator uses Excel's convention (annual compounding, actual days over a 365-day year), so you can verify any result in a spreadsheet — and it can read the dated deposits and withdrawals straight from your broker's CSV export, converting each one at the exchange rate of its own day.

## Frequently asked questions

### What is XIRR?

XIRR is your money-weighted annual return: the one yearly rate that makes all your deposits, withdrawals and today's portfolio value consistent, using the exact date of every flow. It's the same XIRR function you know from Excel and Google Sheets — this tool just spares you the spreadsheet.

### XIRR vs CAGR — what's the difference?

CAGR assumes all your money was invested on day one and grew untouched to the end. That's only true if you made a single deposit. With regular contributions the assumption breaks: money added later had less time to grow. XIRR weighs every flow by its actual time in the market, so for anyone who invests monthly it's the number that tells the truth. The calculator shows both, so you can see the gap timing makes.

### Why does my result differ from the profit percentage my broker shows?

Most apps show a simple return: profit divided by total paid in, ignoring when the money arrived. If you doubled your deposits recently, that number understates how well your earlier money worked. XIRR is annualized and time-aware, so it can be meaningfully compared with interest rates, benchmark index returns and other portfolios.

### How do I calculate XIRR from my broker's CSV?

Export your account statement from your broker and upload it here — Interactive Brokers, XTB, Trading 212, Degiro, BOSSA, Trade Republic, Saxo and Binance are recognized automatically, and any other CSV can be mapped column by column. We read the dated deposits and withdrawals from the file, you type in what the portfolio is worth today, and the return computes instantly. Flows in other currencies are converted at the exchange rate of each flow's own date.

### Does the result match Excel's XIRR?

Yes. The solver uses Excel's convention — one annually compounded rate, with time measured in actual days over a 365-day year. Paste the same dates and amounts into Excel's XIRR and you'll get the same number, which also means you can double-check any result yourself.

### What about deposits in different currencies?

When a CSV contains flows in several currencies, each flow is converted into your chosen currency at the ECB reference rate from that flow's own date — a euro deposited in 2021 counts at its 2021 value, not today's. If no rate is known for a date, that flow is skipped and clearly flagged — never silently counted 1:1.

*This calculator provides simplified estimates for educational purposes only and is not financial advice. The result is only as accurate as the flows you enter. Consult a qualified financial advisor before making decisions.*