What did your investments really return?
Your real return, date by date
- SIPs, top-ups and withdrawals together
- Each rupee credited for its time invested
- One yearly return
- You put in₹3.35 L67%
- Gain₹1.65 L33%
Your money on a timeline
Stems below the line are money in, above are money back. The curve is your deposits growing at exactly your XIRR: it always lands on today's value, which is what XIRR means.
Your investments and withdrawals
| Date | Type | Amount (₹) | Remove |
|---|---|---|---|
Tax if you sell it all
- Selling everything on the value date ₹4.6 L worth₹5,200 tax · you keep ₹4.55 L
Equity fund, every unit taken as long-term. 11.53% a year becomes 11.23% after tax.
Your inputs
Add every investment and withdrawal below with its date. Your return is worked out from the dates, so a rupee added last month counts for less than one added five years ago.
Switch on to see what future amounts will buy at today's prices.
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What this means
- Every ₹1 you put in is now ₹1.49, counting what you took out.
Why?
You put in ₹3,35,000, took out ₹40,000 and it's worth ₹4,60,000 now: a gain of ₹1,65,000, or 49.3% in total.
- 49.3% in total is 11.53% a year once timing is counted.
Why?
Money you added later had less time to grow, so a simple "total return ÷ years" understates or overstates your result. XIRR weighs each rupee by how long it was invested, which is how mutual fund statements report SIP returns.
- After tax on selling it as an equity fund, 11.53% a year becomes 11.23%: ₹5.2K goes in tax.
Why?
Gains on units held a year or more pay 12.5% above ₹1.25 L a year. Both add 4% cess. A fixed deposit's interest is taxed at your slab every year instead, and other assets follow other rules.
- Your first ₹1 L did the most work, growing to about ₹1.82 L.
Why?
At 11.53% a year, money invested on 5 Apr 2021 had 5.5 years to compound. Later deposits had less.
How it's calculated
XIRR is the yearly rate r at which all your cash flows, discounted to the first date, net to zero:
Σ CFi ÷ (1 + r)(di − d0) / 365 = 0
Investments count as negative, withdrawals and today's value as positive. There is no formula for r, so the calculator narrows it down by bisection until the error is tiny. It matches Excel's XIRR, which counts days on a 365-day year.
Tax if you sell (equity funds). Units held a year or more pay 12.5% on gains above ₹1.25 L a year; units held under a year pay 20%. Both add 4% cess.
Tax = max(0, gain − ₹1.25 L) × 12.5% × 1.04
You keep = value − tax
After-tax return = (you keep ÷ put in)1/years − 1