Investments
XIRR Calculator
XIRR is the right way to measure SIP returns. Unlike CAGR, it handles irregular cash flows and gives you a true annualised return — what fund houses report and what you should compare against benchmarks.
Cash flows
Enter negative for investments / SIPs paid, positive for redemptions / dividends received.
DateAmount (₹)
Annualised XIRR
XIRR
10.26%
Time-weighted annualised return
Total invested
₹2,00,000
Total received
₹2,50,000
Absolute return
+25.00%
XIRR vs CAGR vs Absolute Return
| Metric | When to use |
|---|---|
| Absolute return | Total %, ignores time. ₹1L → ₹1.5L = 50% absolute |
| CAGR | Single lumpsum, single redemption. Annualised |
| XIRR | Multiple investments at different dates (SIPs, top-ups). Annualised |
How to use this
- 1. Add a row for each SIP instalment, lumpsum buy, or top-up — date + negative amount (money leaving your bank)
- 2. Add today's row with the positive current value of the holding (or actual redemption amount)
- 3. XIRR magic: time-weighted return that handles any cash flow pattern
Realistic equity XIRR benchmarks
- • 10+ years SIP in Nifty index: 11–13% historically
- • 10+ years SIP in good large-cap fund: 12–15%
- • 10+ years SIP in flexi-cap / mid-cap: 14–17% (with bigger drawdowns)
- • Above 20%? Either a great market period, lucky pick, or you're cherry-picking your start date
XIRR uses Newton's method to solve for the rate that makes net present value of all cash flows zero. Same formula Excel and Google Sheets use.