XIRR Calculator
XIRR
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- Amount invested
- Gain
- Amount invested
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- Current value
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- Gain
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- Absolute return
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- XIRR (annualised)
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Illustrative estimates only, based on the assumptions you choose. Actual returns, rates and costs will vary.
About the XIRR calculator
XIRR (extended internal rate of return) is the right way to measure the return on a SIP, because each instalment has been invested for a different length of time. It gives one annualised figure you can compare with an FD rate or another fund.
This calculator assumes equal monthly instalments at the start of each month. For irregular amounts or dates, use the XIRR function in a spreadsheet, or ask us.
How to use it
- Move the sliders, or type a value into each box.
- Watch the results and chart update as you go.
- Try different assumptions to see what changes the outcome most, then talk to us about a plan.
The formula
Find r such that Σ P × (1 + r)tk = current value
- P: each monthly instalment
- tk: years each instalment has been invested
- Solved numerically (the calculator searches for r)
Example
Investing ₹10,000 a month for 5 years (₹6,00,000 in total), now worth ₹8,50,000, is an XIRR of about 13.90% a year, although the absolute return is 41.7%.
Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns.
XIRR Calculator: common questions
CAGR assumes all the money was invested on day one. With a SIP, later instalments have had less time to grow, so XIRR gives a fairer annual figure.
Yes. If the current value is less than what you invested, the XIRR is negative.
Want a plan, not just a number?
Book a free financial checkup and we'll turn these estimates into a plan that fits your life.