SIP XIRR Calculator
Enter your SIP details and current value to find the true annualized return.
Runs entirely in your browser — your numbers never leave this page.
How it works
Absolute return flatters; XIRR tells the truth:
- Absolute: (value − invested) ÷ invested. Ignores how long money was deployed.
- XIRR: the annualized rate that equates your cash flows to the final value — the SIP equivalent of CAGR.
- Example: Rs 10k × 60 months = Rs 6L invested, Rs 8.2L value. Absolute: +36.7%. XIRR: ~12.4% — the real annual rate.
- Why it matters: comparing a 3-year SIP's 40% absolute gain against a 10-year SIP's 150% is meaningless — XIRR compares fairly.
- Irregular SIPs: pauses, step-ups, and lump sums need date-wise XIRR (spreadsheet XIRR function) — this calculator assumes steady monthly SIPs.
Frequently asked questions
What is XIRR?
Extended Internal Rate of Return — the annualized return computed from actual cash-flow dates and amounts. The standard for SIP performance.
XIRR vs absolute return?
Absolute ignores time; XIRR annualizes. A 37% absolute gain over 5 years is only ~6.5% XIRR.
XIRR vs CAGR?
CAGR suits lump sums; XIRR handles multiple cash flows (SIPs). Same idea, different math.
What is a good SIP XIRR?
Equity SIPs: 10–14% long-term is realistic; 12% is the standard planning assumption. Above 15% sustained is exceptional.
Why is my XIRR lower than fund returns?
Rupee-cost averaging: later installments buy at higher NAVs, dragging the average below the fund's point-to-point return.
Can XIRR be negative?
Yes — if current value is below invested, XIRR goes negative. Common in the first 1–2 years of equity SIPs.
How do I calculate XIRR in Excel?
=XIRR(values, dates) with negative outflows and positive final value — the precise method for irregular SIPs.
Does XIRR include dividends?
For growth plans, yes — reinvested automatically in NAV. IDCW payouts need separate accounting.
Is XIRR post-tax?
No — XIRR is pre-tax. Subtract LTCG (12.5% above Rs 1.25L for equity) for the post-tax picture.
Why do apps show different XIRRs?
Different end dates, NAV timing, and whether exit loads/expenses are included. Same-day NAV comparisons are apples-to-apples.