Source: https://awesomecalcs.com/xirr-calculator/lumpsum-plus-sip-3-years
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

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# XIRR of ₹1 Lakh Lumpsum Plus Monthly SIP (3 Years)

> Invest ₹1 lakh as a lumpsum in January 2022, add ₹10,000/month for 3 years, and check XIRR with a current portfolio value of ₹6.2 lakh.

Interactive calculator: https://awesomecalcs.com/xirr-calculator/lumpsum-plus-sip-3-years

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## Scenario inputs

```json
{
  "inputs": {
    "cashFlows": [
      {
        "date": "2022-01-01",
        "amount": -100000
      },
      {
        "date": "2022-02-01",
        "amount": -10000
      },
      {
        "date": "2022-03-01",
        "amount": -10000
      },
      {
        "date": "2022-06-01",
        "amount": -10000
      },
      {
        "date": "2022-09-01",
        "amount": -10000
      },
      {
        "date": "2022-12-01",
        "amount": -10000
      },
      {
        "date": "2023-03-01",
        "amount": -10000
      },
      {
        "date": "2023-06-01",
        "amount": -10000
      },
      {
        "date": "2023-09-01",
        "amount": -10000
      },
      {
        "date": "2023-12-01",
        "amount": -10000
      },
      {
        "date": "2024-03-01",
        "amount": -10000
      },
      {
        "date": "2024-06-01",
        "amount": -10000
      },
      {
        "date": "2024-12-31",
        "amount": 620000
      }
    ]
  }
}
```

## Frequently asked questions

### Does a lumpsum at the start improve or hurt XIRR?

It depends on market timing. If markets rose after you invested the lumpsum, the early large investment benefits from the full period of compounding, boosting XIRR. If markets fell first, the lumpsum lost value early and XIRR drops. SIPs average out this timing risk.