How to use this calculator
- Add each investment: the amount and how many months ago you made it.
- Enter the value of everything today.
- 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.