XIRR Calculator for Stock Portfolio
To calculate stock portfolio XIRR, list all purchases as negative cashflows (dates and amounts), all sales and dividends as positive cashflows, and add the current portfolio value as a positive cashflow dated today. XIRR in Excel gives the annualized return accounting for all these transactions.
XIRR
17.11%
Annualized return using Newton-Raphson method
XIRR (Extended Internal Rate of Return) handles irregular cashflows. Use negative values for investments and positive for redemptions.
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Common questions about XIRR Calculator for Stock Portfolio
How do dividends factor into XIRR calculation?
Enter dividends received as positive cashflows with their payment dates. If you reinvested dividends, each reinvestment appears as a negative cashflow (new purchase) at the reinvestment date. Including dividends gives total return XIRR - the complete picture of how your investment performed, not just price appreciation.
What XIRR should I expect from a diversified Indian stock portfolio?
A diversified large-cap portfolio tracking Nifty 50 should deliver 12-15% XIRR over any 10-year period based on historical data. Mid-cap tilt adds 2-4% to expected XIRR but with significantly higher volatility. Small-cap heavy portfolios show wide XIRR variance: 5-25% XIRR over 5-year periods depending on market cycle.
Is XIRR the same as IRR?
XIRR and IRR are related but different. IRR assumes equal-interval cashflows (e.g., annually). XIRR works with cashflows at any dates - making it far more applicable to real investing. In Excel, use XIRR for actual dates, not IRR. XIRR also requires an initial guess parameter (default 10%) - if the function returns an error, try a different initial guess like 0.1 or 0.2.