Mutual Fund Xirr Calculator
Calculate XIRR (actual returns) for any mutual fund SIP with custom cash flows. Compare multiple investment scenarios.
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Disclaimer: Results are estimates for informational purposes only. Market conditions and interest rates vary. Consult a SEBI-registered financial advisor before making investment decisions.
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.
Mutual Fund Return Comparator is a free, browser-based utility that requires no login, no signup, and no installation. All processing happens entirely within your web browser using JavaScript — your data never leaves your device. The tool works on all screen sizes including mobile phones, tablets, and desktop computers.
How to use
- Enter your values in the input fields — results update instantly as you type.
- No submit button needed. The tool calculates in real time.
- Copy your result or share it via WhatsApp or Twitter using the buttons above.
- Use the workflow links below to chain into related tools for a complete task.
- All processing is browser-only. Nothing you enter is sent to any server.
Tool details
⚡ Next step — complete your workflow
Expert note — India 2026
AGR 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.
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