XIRR Calculator

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

/Month

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Total Wealth ₹22.4 L

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

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Monthly Investment ₹22.4 L

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Top Funds with High Returns (Past 7 Years)

17.8%

High Growth Fund

20.17%

India Consumption Fund

15.02%

Accelerator Mid-Cap Fund II

14.66%

Opportunities Fund

12.81%

Opportunities Fund

15.82%

Multiplier

15.14%

Virtue II

10.73%

Equity II Fund

13.79%

Accelerator Fund

11.34%

Pension Dynamic Equity Fund

14.24%

Frontline Equity Fund

12.46%

Equity Pension

11.68%

Equity Top 250 Fund

14.7%

Growth Opportunities Plus Fund

13.55%

Future Apex Fund

11.65%

US Equity Fund

What is an XIRR Calculator?

XIRR (Extended Internal Rate of Return) is a financial metric used to determine the actual annualised return from investments that involve multiple cash flows at different intervals. It’s particularly useful for SIPs and other investments where contributions or withdrawals aren’t consistent.

An XIRR calculator for SIP applies a single rate of return to each transaction—investment or withdrawal—to arrive at the current value of your portfolio. It helps investors get a more realistic picture of their returns, unlike metrics that assume lump-sum or regular investments.

Steps to Calculate XIRR in Excel

Prefer doing it manually in Excel? Here’s how you can do it:

• List all transactions in a column. Use negative values for investments (outflows) and positive values for withdrawals/redemptions (inflows).

• In the adjacent column, enter the corresponding dates for each transaction.

• Add the current value and date in the final row.

• Use the Excel function:
  =XIRR(values, dates, [guess])

This will give you the annualised return based on your transaction history.

Example of Working of XIRR

Let’s understand how XIRR works with a simple example.

Suppose you made the following investments in a mutual fund:

• ₹5,000 on 1st Jan 2023

• ₹5,000 on 1st April 2023

• ₹5,000 on 1st July 2023

On 1st Jan 2024, the value of your investment becomes ₹16,500, and you redeem the full amount.

To calculate XIRR in Excel:

• Enter all cash flows in one column:

  • Use –₹5,000, –₹5,000, and –₹5,000 for your investments (outflows).

  • Enter ₹16,500 as a positive value for redemption (inflow).

• In the next column, input the corresponding dates for each transaction.

• Use the formula:
  =XIRR(values, dates)

When Should You Use XIRR?

XIRR is especially helpful when:

• Investments are irregular or involve variable amounts.

• There have been withdrawals, redemptions, or top-ups over time.

• You want a realistic and accurate annual return that considers the time value of money.

It provides a clearer picture of how your investments have truly performed.

Benefits of Using an XIRR Calculator

Here’s why the XIRR return calculator for SIP stands out:

• Accurate Returns: Tracks multiple investments and redemptions to offer precise results.

• Annualised Insights: Helps understand yearly growth rather than just total growth.

• Performance Tracking: Evaluate and compare different investments over time.

• Easy to Use: Can be calculated via Excel or user-friendly XIRR Calculator online tool.

Conclusion

When measuring the performance of your mutual fund or SIP investments, the XIRR is one of the most reliable metrics. Unlike traditional methods that assume uniform cash flows, XIRR considers the actual dates and amounts of all transactions, giving you a truer sense of return. Though the calculation can be complex, tools like the XIRR calculator make it simple and accessible for every investor.