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XIRR Calculator
Annualised return on irregular investments — the correct metric for SIPs.
Enter values to see your result
Frequently asked questions
Why XIRR instead of CAGR for SIP?
CAGR assumes a single invested amount. SIP spreads investments across many dates — each rupee has different exposure time. XIRR weighs each cashflow by its actual date.
What is a good XIRR for equity SIP?
12–15% XIRR over 10+ years is a healthy equity fund. Below 10% suggests underperformance vs index; above 17% may indicate high-risk or lucky vintage.
Does Excel XIRR match this?
Yes — this calculator uses the same algorithm (NPV bisection) and should match Excel's =XIRR within 0.01%.
Does XIRR ignore market timing?
No — it captures the effect of cashflow dates. A SIP started at a market bottom will show higher XIRR than one started at a peak, even with the same total invested.