# XIRR Calculator

> Free XIRR calculator for mutual funds and SIPs. Enter each investment and withdrawal with its date plus today's value to get your true yearly return, like the one in your statement.

Find your **real yearly return** when money went in and out on different dates, such as SIPs, top-ups and withdrawals. Enter each amount with its date and today's value. Use **Fill a SIP** to add monthly instalments in one go.

Use the free tool here: https://saraltools.in/xirr-calculator/

## Why XIRR and not simple return?



Suppose you invested ₹5,000 a month for two years (₹1.2 lakh) and it is now worth ₹1.38 lakh. The simple return is 15%, but most of the money was invested for much less than two years. XIRR takes each instalment's actual time into account and gives the yearly rate, about 14% here, which you can fairly compare with an FD or another fund.



## How to use it



1. Add every investment with its date. For a regular SIP, use **Fill a SIP**.
2. Add any redemptions or dividends as **Withdrawn**.
3. Add today's portfolio value as **Current value** with today's date.



```
Σ amounti ÷ (1 + XIRR)^(daysi ÷ 365) = 0
```



Investments count as money going out (negative) and withdrawals and current value as money coming in (positive). The calculator finds the rate that balances them, the same method as the XIRR function in Excel.



Want to see what a SIP could grow to? Use the [SIP calculator](https://saraltools.in/sip-calculator/).

## Frequently asked questions

### What is XIRR?

XIRR is the yearly return that accounts for when each rupee went in or came out. It is the standard way to measure SIP returns, because a SIP instalment made last month has had far less time to grow than one made three years ago.

### Why is my XIRR different from the absolute return?

Absolute return just compares total gain with total invested, ignoring time. XIRR spreads the gain over the time each instalment was invested, so it is the number to compare with an FD rate or another fund.

### Which amounts should I enter?

Enter every investment as 'Invested', every redemption or dividend received as 'Withdrawn', and add the current value with today's date as 'Current value'.

### Is my data stored?

Only in this browser on this device, so you can come back to it. Nothing is uploaded.

## Related tools

- [SIP Calculator](https://saraltools.in/sip-calculator/): Estimate mutual fund SIP value, with optional yearly step-up.
- [Lumpsum Calculator](https://saraltools.in/lumpsum-calculator/): What a one-time mutual fund investment could grow to, in today's money too.
- [SWP Calculator (Systematic Withdrawal Plan)](https://saraltools.in/swp-calculator/): Monthly income from your corpus: how long it lasts and the safe amount.
- [SIP to SWP Calculator](https://saraltools.in/sip-swp-calculator/): SIP now, monthly pension later: corpus and the income it can pay.
- [STP Calculator (Systematic Transfer Plan)](https://saraltools.in/stp-calculator/): Park a lumpsum in a liquid fund and move it to equity month by month.
- [SIP vs Lumpsum vs STP Calculator](https://saraltools.in/sip-vs-lumpsum-calculator/): Same money, three ways to invest it: compare the final values.

Last updated: 2026-11-01

---
SaralTools (https://saraltools.in/): Free Indian calculators, document makers and photo tools. Contact: help@saraltools.in. Results are estimates, not tax, legal or financial advice.