Mutual Fund Return Calculator (XIRR)
Enter your investment and redemption history, and provide the current value to calculate your actual returns.
Frequently Asked Questions about XIRR Calculator
What is the XIRR Calculator for Mutual Funds?
The XIRR Calculator helps you determine your actual annualized return by considering all your SIPs, lumpsum investments, and redemptions with exact dates.
How is XIRR different from CAGR?
While CAGR assumes a single investment over time, XIRR works with multiple cash flows. Learn the difference in detail in our blog: How XIRR Works?
Why is XIRR important for mutual fund investors?
XIRR gives you a more realistic view of mutual fund returns, especially for those investing regularly via SIP. It helps you understand how your money actually performed across time.
Can I calculate SIP returns using XIRR?
Yes! XIRR is the most accurate way to measure SIP returns. You can also use our SIP Calculator for basic projections or switch to XIRR for real performance tracking.
How do I use the XIRR Calculator on Wealth North?
Enter each investment or redemption with its date and amount. Then input the current value and date. Our calculator instantly computes XIRR and displays detailed insights.
What if I have only invested and not redeemed yet?
Just input the current value and today's date. Our XIRR tool will treat it as an ongoing investment and show the return as on today. No redemption needed!
What types of transactions can I include?
You can input SIPs, top-ups, partial withdrawals, or even reinvestments. The calculator accepts all types of flows — ideal for long-term and short-term investors.
Is this XIRR calculator suitable for equity and debt mutual funds?
Yes. Whether you're invested in equity, debt, or hybrid funds, the logic of XIRR remains valid.
Can I use this to calculate returns for early exits or partial withdrawals?
Absolutely. Simply enter the redemption amounts on the corresponding dates. XIRR will factor them into your return calculation. This is especially helpful for early retirement scenarios.
Will the XIRR calculator help in tax planning?
While XIRR doesn’t calculate taxes directly, understanding your real return helps in optimizing tax on mutual fund gains — especially with LTCG or STCG in equity funds.
Know the True Return on Your Mutual Fund Investments
Use our XIRR Calculator to uncover the real performance of your SIPs, lumpsum investments, and redemptions. Make smarter investment decisions based on your actual returns — not just fund factsheets.
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