Mutual Fund XIRR Calculator
Calculate XIRR (actual returns) for any mutual fund SIP with custom cash flows. Compare multiple investment scenarios.
Disclaimer: Results are estimates for informational purposes only. Market conditions and interest rates vary. Consult a SEBI-registered financial advisor before making investment decisions.
Advertisement
About Mutual Fund Return Comparator
Calculate XIRR (Extended Internal Rate of Return) — the true annualised return for SIP investments with irregular cash flows. Enter any combination of investment dates and amounts. XIRR is the industry-standard metric used by AMFI and SEBI for SIP performance.
XIRR (Extended Internal Rate of Return) is the correct way to measure returns on SIP investments because it properly accounts for multiple cash flows happening on different dates — a simple average return calculation doesn't work for SIPs since each monthly installment has a different holding period by the time you measure returns, and treating them as if invested all at once significantly misrepresents actual performance. This is why fund fact sheets and portfolio trackers use XIRR rather than simple CAGR for SIP performance reporting, and understanding the difference matters when comparing a fund's advertised returns against your own actual SIP outcome. This tool calculates XIRR correctly across your specific investment dates and amounts, giving your true annualised return.
How to use
- Enter your figures in the input fields — the result recalculates instantly as you type, no submit button needed.
- Double-check which financial year or rate the tool is using, shown near the result, since tax and interest rates change periodically.
- Use the "Next step" workflow links below to move into a related calculation, like comparing this result against another instrument.
- Share your result via WhatsApp or Twitter using the buttons above if you need to send it to someone else.
- Everything is calculated locally in your browser — your financial figures are never sent to any server.
Tool details
⚡ Next step — complete your workflow
Expert note — India 2026
CAGR works for lump sums. XIRR is accurate for SIPs with multiple cash flows. A fund showing 15% CAGR on NAV might give you only 12% XIRR on your SIP due to timing of purchases.
Frequently asked questions
XIRR vs CAGR — what's the difference?
CAGR uses only start and end values. XIRR accounts for all intermediate cash flows (each SIP instalment). For SIP investments, XIRR is always more accurate.
What is a good XIRR for mutual funds?
Equity funds: XIRR > 12% is good over 5+ years. Debt funds: 7-9% XIRR. ELSS: 12-15% XIRR over 5+ year horizon.
Advertisement