XIRR Calculator
Calculate Your True SIP Returns
Wealth Projection
Use the XIRR calculator to see your real annualized return rate. Enter your investment dates and amounts to get the exact profit percentage your mutual fund actually earned.
Why Your Regular Return Math is Wrong for SIPs
If you invest through a monthly SIP, you cannot calculate your returns using a standard CAGR formula. CAGR assumes you invested all your money on day one.
With an SIP, you invest on different dates, at different market prices, over several months or years. Some of your money has been compounding for three years, while your latest installment has been in the market for just ten days. If you divide your total profit by your total investment, you get a heavily inflated and misleading number.
What XIRR Calculator Actually Does
XIRR Calculator (Extended Internal Rate of Return) maps every single cash flow to its exact date. It looks at when you bought the units, how much you paid, and the current redemption value on the exact day you sell.
It crunches all these irregular intervals and spits out one single, annualized percentage that represents your true, real-world return. This isn't just a fancy mathematical trick; it is the same formula that SEBI and AMFI mandate mutual fund houses to use on your official account statements.
When Should You Use XIRR Calculator?
You only need XIRR Calculator when you have irregular cash flows. Use it for your ongoing SIPs, for random lump sum additions on different dates, or for systematic withdrawals (SWP). If you made exactly one lump sum investment on a single day, stick to a standard CAGR calculator instead.
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Disclaimer
Vestbox is a technology platform that facilitates access to financial products and investment-related services. Investments in mutual funds, securities, PMS, AIFs, SIFs, and other market-linked products are subject to market risks. Past performance is not indicative of future returns.
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