SIP Return Calculator
Calculate your SIP performance metrics — total invested, current value, absolute return, and estimated XIRR on your mutual fund investments.
Estimated XIRR
10.89%
Annualised return on your SIP
* XIRR is estimated assuming uniform monthly investments. Actual XIRR depends on exact investment dates and transaction history. Enter your entire financial history for precise calculation.
Frequently Asked Questions — SIP Return Calculator
What is XIRR and how is it calculated for SIP?
XIRR (Extended Internal Rate of Return) is the annualised return rate that accounts for the timing of each SIP installment. Unlike simple returns, XIRR accurately reflects your actual investment performance because each monthly SIP is invested at a different time and earns returns for a different duration.
What is a good XIRR for SIP in India?
For large-cap equity mutual funds, an XIRR of 10–13% over 5+ years is considered good. Mid-cap funds should ideally deliver 12–16% XIRR. Any XIRR above the benchmark index return (Nifty 50 ~12%) means your active fund is outperforming. Below 8% XIRR for equity SIPs is a red flag.
What is the difference between absolute return and XIRR?
Absolute return is the total percentage gain on your investment without considering the time period. XIRR annualises this return by factoring in when each investment was made. For a 5-year SIP, absolute return could be 80% while XIRR might be 12% — XIRR is the more meaningful metric.
How do I check my actual SIP returns?
Download your Consolidated Account Statement (CAS) from CAMS or KFintech. Import it into a portfolio tracker like WealthAnalytics to automatically calculate your actual XIRR. Alternatively, your mutual fund app (Zerodha, Groww, etc.) shows returns in their portfolio section.
Get Your Actual SIP Returns
This calculator uses estimated returns. Enter your entire financial history to see your real XIRR, fund-wise performance, and portfolio allocation.
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