SIP XIRR calculator

Find the true annualized return on your SIP using XIRR.

Last reviewed: August 2026 · Figures are estimates for general planning only — see the explanation below for this calculator's specific assumptions.

based on investing ₹10,000 Monthly since 2020-01-01, which has grown to ₹8,50,000 by 2026-08-07, your actual return works out to an XIRR of about 1.45% a year — equivalent to a lumpsum growing at 0.73% annually. See how a step-up SIP might have performed differently

What is XIRR and why not CAGR?

CAGR assumes a single lumpsum invested once and withdrawn once — it does not fit a SIP, where money goes in on many different dates. XIRR (Extended Internal Rate of Return) solves for the single annualized rate that reconciles all your dated SIP installments against your current investment value, which is why it is the correct metric for SIP returns. This calculator also shows what your CAGR would have been had the same total amount been invested as one lumpsum on your SIP start date — the two numbers usually differ, since XIRR accounts for money arriving progressively rather than all at once.

Frequently asked questions

Is XIRR the same as CAGR?

No. CAGR assumes one investment date and one exit date. XIRR handles multiple cash flows on different dates, which is what a recurring SIP actually looks like, so XIRR is the correct way to measure SIP returns. This calculator shows both, so you can see how much they differ for your numbers.

Why is my XIRR higher than the CAGR shown?

Because your SIP instalments arrived progressively rather than all at once, the effective time your money spent invested is shorter than the full period, which XIRR accounts for and a simple lumpsum CAGR does not — this usually makes XIRR read higher than the "as if lumpsum" CAGR for a steadily rising investment.

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