Calculate actual returns using XIRR for SIP and lump sum investments
Calculate actual mutual fund returns using XIRR method for irregular SIPs and lump sum investments. More accurate than simple CAGR. This tool is built for practical, real-world usage where speed, clarity, and reliable output matter. You can start with the default values, review the result, and then refine inputs step by step to match your exact scenario.
For best results, keep your inputs clean and complete. Double-check units, date ranges, and value formats before you calculate. If you are comparing multiple scenarios, change one variable at a time so you can clearly understand what moved the output.
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XIRR uses Newton's method to find rate r such that Σ(cash_flow_i / (1+r)^((date_i - date_0)/365)) = 0. It iteratively approximates the discount rate that makes the net present value of all cash flows zero.
Yes. Enter SIP amounts as negative cash flows and SWP withdrawals as positive. The XIRR will show your overall return considering both investments and withdrawals.
XIRR may not converge if: all cash flows are the same sign, dates are invalid, or values are extreme. Ensure you have at least one negative (investment) and one positive (current value) cash flow.
Purpose: Calculate actual mutual fund returns using XIRR for irregular SIPs and lump sums.
Calculate actual mutual fund returns using XIRR method for irregular SIPs and lump sum investments. More accurate than simple CAGR.
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