XIRR calculator: your real return on SIPs and investments
Enter each investment (and any withdrawal) with its date, then what the holding is worth today. Blank rows are ignored.
| Date | Invested (₹) | Taken out (₹) |
|---|---|---|
How it is calculated
XIRR is the yearly rate r at which the investments and withdrawals, each discounted by (1 + r)days / 365 from its own date, add up to zero. In other words, the return that a bank account would need to pay to turn exactly your cash flows into exactly your result. It is solved numerically; the calculator does it for you.
Using the result well
XIRR is the number to compare with an FD rate or a loan rate, because it treats your SIP instalments as money that went in on different dates.
Expect XIRR to swing a lot in the first two or three years of a SIP: a recent fall weighs heavily when most of your money went in recently. It becomes a fair measure only over five years or more.
Your CAS from CAMS or KFintech shows XIRR for each holding. If one fund's XIRR has trailed others in the same category for several years, that is worth a review; our free portfolio review does this for every fund you hold.
Worked example
₹50,000 invested each January from 2022 to 2025 (₹2 lakh in all), worth ₹2.8 lakh in November 2026: the XIRR is about 10.4% a year. The absolute gain is 40%, but most of the money was invested for far less than five years, which XIRR takes into account. (The calculator opens with these numbers.)
Common questions
What is XIRR in mutual funds?
Extended internal rate of return: the yearly return on money that went in (and out) on different dates, like SIP instalments. Fund houses and your CAS show it for your own holdings.
Why is my SIP's XIRR different from the fund's return?
The fund's 3-year or 5-year return is a CAGR from one date. Your XIRR depends on when each of your instalments went in and what the market did after each one.
Can XIRR be negative?
Yes, when the current value plus withdrawals is less than what you put in.
How do I calculate XIRR in Excel or Google Sheets?
List each investment as a negative amount and the current value as a positive amount, each with its date, then use =XIRR(amounts, dates). This calculator does the same.
Illustrations only, not investment or tax advice. Mutual fund returns are not guaranteed and can be negative; the assumed return is yours to choose. Talk to us before acting on a tax estimate.
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