# CAGR & XIRR return calculator — no upload > Calculate CAGR and XIRR to measure investment returns across irregular cash flows. Runs in your browser, no upload. Informational only. Measure investment performance with CAGR for a single growth rate and XIRR for returns across irregular contributions and withdrawals. The math runs on your device and is informational only. Knowing whether an investment actually did well requires the right yardstick. CAGR works for a one-off lump sum, but real portfolios get topped up irregularly, which is exactly what XIRR is built to measure. Use it to compare funds or your own account honestly, then feed the insight into rebalancing and DCA decisions. For simple cost-vs-gain, the ROI calculator is quicker. ## How to 1. **Enter cash flows.** Add each contribution/withdrawal with its date. 2. **Add the current value.** Enter today's portfolio value as the final flow. 3. **Read the return.** See CAGR and the annualized XIRR. ## FAQ ### What's the difference between CAGR and XIRR? CAGR assumes a single lump sum growing over one period; XIRR handles multiple cash flows on different dates, so it's the right measure when you've added money over time. ### Why is XIRR better for real portfolios? Because most people invest gradually. XIRR weights each cash flow by when it happened, giving a true annualized rate that CAGR can't for irregular investing. ### Is this investment advice? No. It measures past return from figures you enter; past performance doesn't predict future results. ## Related tools - [ROI & break-even](https://www.safepaper.app/finance/roi) - [DCA simulator](https://www.safepaper.app/finance/dca) - [Rebalancing](https://www.safepaper.app/finance/portfolio-rebalance) - [Dividends](https://www.safepaper.app/finance/dividend-tracker) --- Canonical HTML: https://www.safepaper.app/finance/returns-xirr Markdown: https://www.safepaper.app/finance/returns-xirr.md There is no upload endpoint — your files are processed in this browser tab. Open your network tab and check.