SIP XIRR Calculator — the real annual return of your SIP
Enter your monthly SIP, when it started and what it is worth today. XIRR gives the annual return you actually earned, taking into account when each instalment went in.
🎈 In today’s money at 6% inflation
How it is calculated
A simple “total return %” treats all your money as if it had been invested on day one, which understates the return of a SIP. XIRR weighs each instalment by how long it was invested.
It finds the one yearly rate at which every instalment, grown to today, adds up to the current value.
Find r such that: Σ instalmentₖ × (1 + r)^(daysₖ ÷ 365) = current value
Questions
What is XIRR in mutual funds?
The annualised return for investments made on different dates — exactly what a SIP is. It is the figure fund houses and CAS statements use for SIP performance.
What is real XIRR?
Your XIRR minus the effect of inflation: (1 + XIRR) ÷ (1 + inflation) − 1. It is how fast your money’s buying power actually grew.
Is XIRR the same as CAGR?
For one lump sum held for a whole period, yes. For a SIP, CAGR on the total would be wrong; XIRR is the right measure.
Why is my XIRR very high or strange in the first months?
Annualising a return over a few weeks exaggerates it. Spendly shows XIRR only after enough time has passed to be meaningful.
Can Spendly calculate XIRR automatically?
Yes — from every real instalment, including the ones imported from your CAS statement, across all your funds.