Determine the true return (XIRR) and project the growth of your recurring investments (SIP).
Your True Annual Return
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Invested Amount
₹ 0
Estimated Returns
₹ 0
TOTAL CORPUS VALUE
₹ 0
XIRR (Extended Internal Rate of Return) is a key financial metric used to calculate the annualized return on investments where cash flows happen on irregular or specific dates (like a monthly SIP). The standard IRR assumes cash flows occur at uniform intervals (e.g., exactly once a year). XIRR is more accurate for real-world investments by factoring in the exact dates.
The Total Amount Invested line is stepped because your capital increases only on the specific date you make a recurring payment (e.g., monthly). This visual is highly accurate, showing a sudden increase in invested capital followed by a flat line until the next payment date. The Market Value line, however, is curved, showing continuous growth over time.
Based on your chosen Start Date, Maturity Date, and Frequency, the calculator automatically generates a series of negative cash flows (your recurring deposits). The very last cash flow added is the Total Maturity Amount (as a positive value), which represents the cash coming back to you. The XIRR is then calculated on this automatically generated series of dates and amounts.
XIRR requires one or more negative cash flows (investments) followed by a final positive cash flow (maturity/return). An error often means the Maturity Date is earlier than the Start Date, the Recurring Amount is zero, or the final Total Maturity Amount is missing or less than the total invested amount. Ensure your dates and values are logical.