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Business and Financial Tools

Online CAGR and XIRR Calculator

Measure a lump-sum annualized return with CAGR and use XIRR when contributions or withdrawals occur on irregular dates.

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CAGR and XIRR Calculator

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CAGR and dated cash flows

Annualized returns

CAGR—
Absolute change—
XIRR—

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Quick answer

What is the difference between CAGR and XIRR?

CAGR connects one beginning value to one ending value. XIRR uses the date of every cash flow, making it more suitable when money is added, withdrawn, or received during the holding period.

How to use this tool

  1. Enter beginning value, ending value, and years for CAGR.
  2. Enter one XIRR cash flow per line as YYYY-MM-DD, amount.
  3. Use negative investments and positive receipts, then interpret the annualized results in context.

How the calculation works

CAGR = (ending ÷ beginning)^(1/years) − 1. XIRR finds r where the sum of cash flow ÷ (1+r)^(days from first date/365) equals zero, using bisection. Enter investments as negative and receipts as positive. Multiple sign changes can produce no unique result.

Examples

Example Input Expected result
Ten-percent CAGR 
Beginning THB 100,000, ending THB 121,000, 2 years
 CAGR 10% a year
One-year XIRR 
2025-01-01, -100000 and 2026-01-01, 110000
 XIRR 10% a year

Limitations

  • CAGR omits volatility, risk, and drawdowns.
  • XIRR can have multiple results or no result for some cash-flow patterns.
  • The tool does not verify transactions or include tax, fees, or benchmark comparison.

Frequently asked questions

Is CAGR the actual return in every year?

No. It is a smoothed rate connecting endpoints and hides interim volatility.

Why are investments negative in XIRR?

They are cash leaving the investor. Proceeds or ending value are positive cash entering.

Why can XIRR fail?

It requires positive and negative cash flows, and some patterns have no bracketed root or have more than one mathematical result.

References

  1. Microsoft Support — XIRR function Verified 2026-08-03
  2. Microsoft Support — Calculate CAGR Verified 2026-08-03

Content and calculation method last reviewed:

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