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XIRR Calculator for Mutual Funds. Calculate Your Actual SIP Returns Accurately
XIRR (Extended Internal Rate of Return) is the most accurate way to calculate the annualised return on a SIP investment or any series of irregular cash flows. Unlike the simple CAGR formula which works only for a single lumpsum investment, XIRR accounts for the fact that each SIP instalment is invested on a different date and therefore has a different holding period.
Our XIRR Calculator helps you calculate the actual annualised return on your mutual fund SIP portfolio. Enter the dates and amounts of each investment (the SIP instalments) along with the current value and date of redemption, and the calculator computes your XIRR giving you a true picture of how well your SIP has performed.
XIRR is the same metric used by mutual fund platforms, AMFI, and financial advisors when they quote SIP returns. If a fund says your SIP has delivered 14% returns, it is almost certainly using XIRR. Understanding and calculating your XIRR allows you to independently verify the performance of your mutual fund investments and compare them accurately across different schemes.
This calculator is particularly useful for investors who have made additional lumpsum investments, done partial redemptions, or switched between funds, situations where simple return calculations become inaccurate. Use the XIRR calculator to get a clear, honest picture of your mutual fund portfolio's performance.