# XIRR Calculator for SIP: Your Actual Annual Return > XIRR calculator for SIPs: enter the monthly amount, start date, valuation date and current value to get your true annualised return and absolute return. Source: https://trykosh.com/tools/xirr-calculator Free tool - Investing # XIRR calculator for SIPs Find the real yearly return on a SIP you've been running. Enter the monthly amount, when it started, and today's value from your statement. Rules checked 25 October 2026Free - no sign-upRuns in your browser XIRR (annualised return) 14.6% 60 instalments of INR 10,000, 5 Nov 2021 to 20 Oct 2026 Total invested**INR 6,00,000** Gain**+INR 2,60,000** Absolute return**43.3%** Invested **INR 6,00,000**Gain **INR 2,60,000** Instalments counted 60 Period 5.0 years Total invested INR 6,00,000 Current value INR 8,60,000 XIRR 14.6% XIRR weighs each instalment by how long it has been invested, so it's the fair yearly return for a SIP. Absolute return ignores time and looks bigger the longer you've invested. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh tracks every SIP, FD and deposit in one place, and shows how far you are from each goal. [Start free](/signup?via=tool-xirr-calculator) ## How the XIRR calculator works XIRR (extended internal rate of return) is the yearly rate that, applied to every cash flow from its own date, makes all your investments add up to today's value. It's the standard way to measure SIP returns, and the figure your consolidated account statement shows. The calculator lays out one instalment on the same day of every month from your start date up to the valuation date (moving to the month's last day when needed, such as the 31st in a 30-day month). Each is an outflow; today's value is the single inflow on the valuation date. It then solves for the rate that balances them, counting time in days over a 365-day year, which is how spreadsheet XIRR functions work. A search method is used rather than a guess-and-improve one, so it always settles on an answer when one exists. Your statement's XIRR may differ slightly because real instalments are processed on business days and at the exact NAV of each date. If you skipped or changed instalments, the figure here is only an approximation. Σ CFₖ / (1 + XIRR)^((dₖ − d₀) / 365) = 0 CFₖ each instalment (negative) and the current value (positive) dₖ − d₀ days from the first instalment ## Worked example: Arjun's 7-year SIP Arjun has invested INR 5,000 on the 10th of every month since April 2019. On 15 October 2026 his statement shows INR 6.2 lakh against 91 instalments totalling INR 4.55 lakh. His absolute return is 36.3%, but that figure ignores how long each instalment was invested. His XIRR, 8.14% a year, is the number to compare with a deposit or with what he expected. XIRR (annualised return) 8.14% 91 instalments of INR 5,000, 10 Apr 2019 to 15 Oct 2026 Total invested**INR 4,55,000** Gain**+INR 1,65,000** Absolute return**36.3%** Invested **INR 4,55,000**Gain **INR 1,65,000** Instalments counted 91 Period 7.5 years Total invested INR 4,55,000 Current value INR 6,20,000 XIRR 8.14% XIRR weighs each instalment by how long it has been invested, so it's the fair yearly return for a SIP. Absolute return ignores time and looks bigger the longer you've invested. [Load this example into the calculator ->](?monthly=5000&start=2019-04-10&end=2026-10-15&value=620000#calculator) ## Good to know - Use XIRR for anything with more than one cash flow: SIPs, top-ups, partial withdrawals, even a ULIP or an endowment policy's premiums against its maturity value. - XIRR over less than a year is annualised and can look extreme either way. Judge a SIP on at least 3 to 5 years. - In a spreadsheet, list dates in one column and amounts in another (investments negative, current value positive) and use =XIRR(amounts, dates). ## Frequently asked questions What is XIRR in mutual funds? It's the annualised return of an investment with multiple cash flows on different dates, such as a SIP. It accounts for how long each instalment was invested, which simple percentage gains and CAGR don't. What is the difference between XIRR and CAGR? CAGR works for a single investment from one date to another. XIRR handles many investments and withdrawals on different dates. For a single lump sum with no other flows, the two give the same answer. Is 12% XIRR good for a SIP? It depends on the fund type and period. For an equity SIP over 7 to 10 years, low double digits have been common historically, but returns vary widely between periods and funds. Compare with the fund's benchmark over the same dates rather than a fixed number. Why is my XIRR lower than my absolute return? Absolute return measures the total gain without regard to time. XIRR spreads it over the years each rupee was invested. Over several years absolute return will usually be the bigger number. Why does my XIRR look very high or negative after a few months? XIRR annualises the return. A 3% gain in two months becomes roughly 19% a year when annualised, and a small dip becomes a large negative. Short-period XIRRs are noisy. ## Sources and assumptions - [SEBI investor education](https://investor.sebi.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.