Free calculator
Calculate XIRR: your real portfolio return
Enter your deposits and withdrawals with their dates and add today's portfolio value. The calculator works out the money-weighted return (XIRR) — the figure that accounts for your actual timing.
Your cash flows
Always enter amounts as positive7% return per year
Money-weighted (XIRR): the timing and size of every cash flow is included.
Paid in
€17,500.00
Came back
€21,500.00
Difference
€4,000.00
General information, not investment or tax advice.
In short
What XIRR tells you
Three things that set this figure apart from a plain percentage.
Return per year, not in total
XIRR converts your result into an annual rate. That makes two portfolios comparable even if one has run for three years and the other for twelve.
Your timing counts
Every cash flow enters with its real date. Money paid in early works for longer — a large sum just before a drawdown drags the result down.
Not the same as TTWROR
TTWROR deliberately strips out your deposits and withdrawals and measures only the investment itself. XIRR measures your personal result, timing included.
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Planafolio works out XIRR and TTWROR automatically from your real transactions — imported via CSV, PDF or broker sync.
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