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XIRR Calculator

The annualised return your money actually earned, accounting for when each rupee went in. This one measures history rather than projecting anything.

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Investments are negative (money leaving you). The last row should be today's date with your current value as a positive amount. Edit any row to match your actual statement.

DateAmount (₹)
Please read this. XIRR describes what already happened over the dates you entered. It is a measurement, not a forecast, and a period that included a strong stretch can produce a figure that will not repeat. Exit load and tax are not included. Myfolios is an AMFI-registered mutual fund distributor (ARN-145870) and not an investment adviser.

Why absolute return misleads you on a SIP

Absolute return compares what your holding is worth against what you put in, and ignores time entirely. On a single lump sum held for five years that is fine. On a SIP it is close to meaningless, because it treats an instalment paid last month exactly like one paid six years ago, even though one has been invested seventy times longer than the other.

XIRR fixes that by accounting for the date of every cashflow. It answers a precise question: what constant annual rate, applied to money arriving on those dates, would produce this outcome. That is the figure worth reading on a statement, as our guide on reading a mutual fund statement explains.

How to fill this in properly

  • Every purchase is negative. Money leaving your account, including each SIP instalment and any lump sum you added.
  • Every redemption is positive, on the date it was actually paid to you.
  • The last row is today, with your current value as a positive amount. Without that row the calculation has no closing point.
  • Use real dates from your statement, not approximate ones, since the whole point of XIRR is that dates matter.

The quick-fill above generates a clean monthly series so you can see the shape of it, but a real folio rarely looks that tidy. Pull a consolidated account statement and edit the rows to match; our guide on finding old mutual fund investments explains how to request one.

What XIRR cannot tell you

It cannot tell you whether the scheme is good. A high figure over a period that happened to be strong says as much about the period as about the fund, and comparing your XIRR against somebody else's is comparing two different date ranges rather than two investments.

It also says nothing about cost, which is the one number that is knowable in advance. Two schemes with identical portfolios and different expense ratios will produce different XIRRs over time, and our page on expense ratio explains why that difference is certain where returns are not.

If you would like somebody to work out the position across all your folios rather than one at a time, that is routine work here and there is no charge for it. Get in touch.

XIRR Calculator — Frequently Asked Questions

XIRR is the annualised return on a series of cashflows that happened on different dates. It matters for a SIP because each instalment has been invested for a different length of time, and any measure that ignores those dates will misstate what your money actually earned.

Absolute return compares current value against total invested and ignores time completely, so it treats an instalment paid last month the same as one paid six years ago. XIRR accounts for when each rupee went in. For a SIP, XIRR is the figure worth reading and absolute return is the one to ignore.

CAGR works for a single investment made once and held, because there is one start date and one end date. XIRR handles many cashflows on many dates, which is what a SIP or a folio with additions and withdrawals actually looks like.

Money going out of your pocket into the investment is negative, so every purchase and SIP instalment is entered as a negative amount. Money coming back is positive, which covers redemptions and the current value entered on today's date as the closing figure.

No. XIRR describes what already happened over a specific period with specific timing. It is a measurement rather than a forecast, and a period that included a strong stretch can produce a figure that will not repeat. Use it to understand your own history, not to project.

A consolidated account statement lists every transaction across fund houses against your PAN, with dates, amounts and units. It can be requested from either registrar using your PAN and registered email, and it is the correct source for this calculation.

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