Discussions

Hi everyone,

I’ve seen a lot of people investing regularly in mutual funds through SIP (Systematic Investment Plans), but not many know how to track the actual returns they’re getting. Most investors just look at the fund’s average annual returns or CAGR, which doesn’t always give the complete picture — especially when you're investing monthly over a long period.

That’s where the XIRR Calculator comes in. XIRR (Extended Internal Rate of Return) is a method used to calculate the actual annualized return when there are multiple transactions at different times — which is exactly how SIPs work. It considers the dates and amounts of each investment and gives you a precise measure of your returns.

Many people rely on spreadsheet formulas or manual calculations, which can be confusing or time-consuming. Luckily, there are now online XIRR Calculator tools that simplify the process. At our company, we’ve developed a free and user-friendly XIRR Calculator that helps investors quickly calculate their real SIP returns. It’s perfect for beginners as well as seasoned investors who want to go beyond just relying on the fund’s stated returns.

If you're investing ₹5,000 every month in a mutual fund and want to know whether your returns are really as good as they seem — the XIRR method is the way to go. It also helps in comparing two different investments fairly, no matter the amount or time span.

I’d love to hear what tools or methods you all use to track your SIP performance. Have you tried using an XIRR Calculator before? If not, give it a go — it might change the way you look at your portfolio!

Also, if you’re interested, I can share a link to our tool. It’s free and doesn’t require any login — just enter your data and you’re good to go.

Looking forward to hearing your thoughts and experiences with SIP tracking!

Thanks for reading!