My Money

SIP return (XIRR) & CAGR calculator

Your app says “+38%”. But over how long? A yearly return is the only fair way to compare investments — here’s yours, against the usual benchmarks.

₹
₹10 thousand
 mo
5.0 years · ₹6,00,000 put in
₹
From your app or account statement
Your SIP’s yearly return (XIRR)
13.9%
₹6,00,000 became ₹8,50,000 — up 41.7% in total
Gain
₹2,50,000
Absolute return
41.7%
Real return (after 6% inflation)
7.5%

How it compares

04%8%11%15%Savings a/cInflationFDPPFNifty 50 (long run)Yours
You’re ahead of Savings a/c, Inflation, FD, PPF, Nifty 50 (long run). A SIP’s simple total-return % understates performance, because later instalments had less time to grow — XIRR corrects for that.
How it’s calculated

The maths, in plain words

CAGR

For a single investment: (value today ÷ amount invested)^(1 ÷ years) − 1.

XIRR for SIPs

Each instalment was invested for a different length of time. We find the one yearly rate that grows all of them to today’s value.

Real return

Subtract inflation’s effect to see how much your buying power actually grew.

Questions

People also ask

Your inputs stay on this device. Use Copy link to save or share a calculation.

What is a good SIP return?
Over 7+ years, 10–13% a year from an equity fund has been typical in India. Over 1–3 years almost anything is possible, including negative returns.
Why is XIRR different from the absolute return?
Absolute return ignores time. Your recent instalments have barely been invested, so the overall % looks small even when the yearly return is healthy.
Understand it

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