Why is XIRR better than CAGR for SIPs?

CAGR only works for a single investment over a fixed period. Since SIPs involve multiple investments at different times, XIRR is needed to weight each 'cash flow' by the time it has been invested.

What is a good XIRR for equity mutual funds in India?

Over a long-term period (7-10 years), an XIRR of 12-15% is generally considered excellent for equity funds in the Indian market.

Can XIRR be negative?

Yes, if the current value of your portfolio is less than the total amount you invested, the XIRR will be negative, indicating a loss.

How does XIRR handle dividends?

Dividends (IDCW) should be entered as 'outflows' (positive values) on the dates they were received to accurately calculate the total return.

XIRR Calculator

Compute the true Internal Rate of Return (XIRR) for irregular cash flows, SIPs, and multi-date investments.

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Documentation

Quick Summary: XIRR Calculator

XIRR (Extended Internal Rate of Return) is the gold standard for measuring mutual fund performance when multiple transactions occur at different dates. Unlike simple CAGR, XIRR accounts for the 'time' each rupee stays invested, providing a precise annualized ROI for your entire SIP journey.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.