XIRR — your real return
Get your real return when money went in at different times — the only honest measure of a SIP or a portfolio you kept adding to.
Runs entirely in your browserRuns entirely on your device — nothing you type is sent anywhere. Educational only, and not investment advice.
How to use this calculator
Each step names a control you will find on screen above.
- How the money went in
Choose the contribution pattern — a lumpsum, a regular SIP, or uneven additions. This is what separates XIRR from CAGR.
- Period
How long the money has been invested across those contributions.
- Value today
The current worth of the whole holding.
- Compare the three columns
Absolute return, simple CAGR and XIRR are shown together. Where they diverge tells you how badly the first two were misleading you.
Worked example: A five-year SIP that looks better than it is
₹10,000 a month for five years — ₹6,00,000 contributed in total. The folio is worth ₹8,10,000 today.
What to enter
- How the money went in
- Monthly SIP of ₹10,000
- Period
- 5 years
- Value today
- ₹8,10,000
What it shows you
- Absolute return
- 35%
- CAGR if treated as lumpsum
- ≈ 6.2%
- XIRR
- ≈ 12.5%
₹2.1 lakh gain on ₹6 lakh
wrong — the money was not there for 5 years
the honest figure
Where this is taught
A calculator gives you a number. These explain what the number means and when it misleads you.
- Market Basics11 minKnowing what you actually ownConsolidated statements, holding statements and the annual review that catches the account you forgot, the fund you were switched into, and the return you never measured.
- Risk & Psychology12 minMeasuring your own performance honestlyXIRR, the right benchmark, and why almost every number people quote about their own returns is flattering and wrong.
- Risk & Psychology13 minThe commitments that renew themselvesA standing instruction turns one decision into thirty. Which of your automatic outflows would you start today, and how to evaluate one that is already running.
- Risk & Psychology15 minThe allocation nobody has ever measuredThe app says 100 per cent equity and the household calls itself aggressive. Four other institutions hold the rest of the money, and on the only total that matters the figure is 40 per cent — which is why the prudent-sounding trim moves the household away from its target rather than towards it.
- Risk & Psychology13 minThe loss nobody at home knows aboutThe moment a position becomes a secret it stops being an investment decision. What concealment does to sizing, to holding periods and to the size of the conversation you are postponing.