XIRR
Your yearly return on investments made and withdrawn on different dates, such as a SIP.
XIRR is the single yearly rate that, applied to each amount from its own date, adds up to what you have now. Unlike absolute return, it accounts for how long each instalment has been invested.
It's the fairest way to compare a SIP with an FD or another fund.
Example
A SIP showing a 40% absolute gain after 4 years might have an XIRR of about 16%, because the later instalments were invested only briefly.
XIRR Calculator
Your yearly return on SIPs, top-ups and withdrawals made on different dates — paste straight from Excel.
Related terms
Rules as of tax year 2026-27. Written by the Welthr team; last reviewed on . Not financial advice.