Free SIP XIRR Calculator
Calculate your true mutual fund returns with our XIRR calculator. Supports step-up SIP and compares with FD rates.
Calculate Your SIP XIRR Now
Enter your SIP amount, start date, and current value. Get instant XIRR with FD comparison.
Open SIP Calculator →Select "SIP / Mutual Fund" after signing in
What is SIP XIRR?
XIRR (Extended Internal Rate of Return) is the most accurate way to measure your SIP returns. Unlike CAGR or absolute returns, XIRR accounts for:
- The exact date of each SIP installment
- The amount of each investment
- Step-up SIPs where you increase the amount annually
- Any additional lump sum investments
💡 Simple Explanation
XIRR tells you: "If I had invested all this money at once and earned a fixed annual return, what rate would give me the same final value?" It's like converting your messy SIP history into one clean annual percentage.
Why Your AMC App Shows Different Returns
Mutual fund apps often show absolute returns or CAGR, but neither accounts for when you invested. Here's the difference:
Absolute Return
Total profit as % of invested — ignores time completely
CAGR
Assumes lump sum at start — wrong for SIP
XIRR ✓
Accounts for each SIP date — the true answer
How to Use Our SIP XIRR Calculator
- Go to TrueXIRR.com
- Sign in with Google (free, just for saving preferences)
- Click "SIP / Mutual Fund" card
- Enter your monthly SIP amount, start date, and current portfolio value
- Optionally enable step-up SIP if you increase SIP annually
- See your instant XIRR with FD comparison!
What is Step-Up SIP?
A step-up SIP (or top-up SIP) means you increase your SIP amount every year — typically by 10-15% to match salary increments. Our calculator handles this automatically.
Example: Step-Up SIP
| Year | Monthly SIP |
|---|---|
| 2023 | ₹5,000 |
| 2024 | ₹5,500 (+10%) |
| 2025 | ₹6,050 (+10%) |
Compare Your SIP Returns with FD
Our calculator shows you what your money would have grown to if you'd invested in a Fixed Deposit at 7% p.a. instead. This helps you understand if your mutual fund is actually beating inflation and safe alternatives.
✅ Good Benchmark
If your SIP XIRR is above 12%, you're likely beating most FDs and inflation-adjusted returns. Below 7%? Consider reviewing your fund selection.
Frequently Asked Questions
Is this calculator accurate?
Yes! We use the industry-standard XIRR formula (Newton-Raphson method) with 200 iterations and leap-year accuracy. Use our "Verify in Excel" feature to see the exact cashflows and cross-check with Excel's =XIRR() function.
Does it work for lump sum investments?
Yes! Use the optional "Initial Lump Sum" field to add a one-time investment at the start. The calculator handles both lump sum and regular SIP contributions together.
Why do I need to sign in?
Sign-in helps us manage your session and offer Pro features. Your SIP data is calculated entirely in your browser — we never store your financial information.
Know Your True SIP Returns
Stop guessing. Calculate your XIRR in under a minute.
Calculate SIP XIRR →