The same amount invested every month.
How many monthly SIPs you have made.
What the investment is worth today.
Quick examples
36 monthly SIPs of ₹10,000 now worth ₹4,50,000.
What each result means
XIRR
What it is: The annual rate that makes all your SIPs grow to today's value.
Your value: 15.03%
Accounts for when each instalment went in.
Total invested
What it is: SIP × instalments.
Your value: ₹3,60,000
Your own money.
Gain / loss
What it is: Current value minus invested.
Your value: ₹90,000
In rupees.
Absolute return
What it is: Gain ÷ invested.
Your value: 25.00%
Ignores timing.
Year-by-year breakdown
| Year | Invested this year (₹) | Total invested (₹) | Growth at XIRR (₹) | Value at XIRR (₹) |
|---|---|---|---|---|
| 1 | ₹1,20,000 | ₹1,20,000 | ₹9,558 | ₹1,29,558 |
| 2 | ₹1,20,000 | ₹2,40,000 | ₹38,583 | ₹2,78,583 |
| 3 | ₹1,20,000 | ₹3,60,000 | ₹90,000 | ₹4,50,000 |
How to read this: the rows show how your SIPs would have grown at exactly the XIRR each year. Real values moved up and down.
What this calculator does
XIRR is the annualised return for money invested on different dates. This version handles the common case — equal monthly SIPs, one current value — by finding the rate that makes the SIPs grow to today's value.
What your result means
XIRR describes what already happened. It is not a forecast.
Formula
1. XIRR for equal monthly SIPs
Symbols
- V
- Current value
- P
- Monthly SIP
- n
- Instalments
- i
- Monthly rate
Why this formula works
There is no closed form, so the rate is found numerically (bisection), the same way spreadsheet XIRR works.
Common mistakes
Using absolute return for SIPs. Forgetting that the last instalment has had almost no time to grow.
Working for your numbers
- Find monthly i so that ₹10,000 × factor(i, 36) = ₹4,50,000
- Bisection gives i = 1.17338% a month
- XIRR = (1 + i)¹² − 1 = 15.026%
Frequently asked questions
What if my SIP amounts varied?
This version assumes equal monthly amounts. For irregular cash flows, use a spreadsheet XIRR function with actual dates.
Does past XIRR predict the future?
No.
When should I talk to a professional instead?
Before a real decision, especially a large or long-term one, speak to a SEBI-registered investment adviser or a qualified professional. This page is educational only.
Symbols and assumptions
- P
- Monthly SIP
- n
- Instalments
- V
- Current value
- Instalments are equal and exactly one month apart, each at the start of the month.
- Value is measured one month after the last instalment.
- Does not account for taxes, fees, expense ratios or exit loads.
Sources and review
Reviewed 2026-09-29 · Next review 2027-09-29
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How it works
Extended Internal Rate of Return (XIRR) is used when you have multiple investments and withdrawals at different dates.
The formula
Internal Rate of Return for non-periodic cash flows- CF
- Cash Flows
- D
- Dates
Worked example
Investing different amounts every few months and checking overall return.
Pro tips
- Use this for mutual fund portfolios with SIPs and lumpsums.
Common mistakes
- Comparing CAGR with XIRR for irregular flows.
Go deeper
Related lessons
Concepts to explore
Related guides
Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.