Source: https://awesomecalcs.com/xirr-calculator/sip-5000-monthly-2-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 ₹5,000/Month SIP for 2 Years

> Calculate the XIRR of a ₹5,000/month SIP started in January 2023 with a current value of ₹1.55 lakh in January 2025.

Interactive calculator: https://awesomecalcs.com/xirr-calculator/sip-5000-monthly-2-years

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## Scenario inputs

```json
{
  "inputs": {
    "cashFlows": [
      {
        "date": "2023-01-01",
        "amount": -5000
      },
      {
        "date": "2023-02-01",
        "amount": -5000
      },
      {
        "date": "2023-03-01",
        "amount": -5000
      },
      {
        "date": "2023-04-01",
        "amount": -5000
      },
      {
        "date": "2023-05-01",
        "amount": -5000
      },
      {
        "date": "2023-06-01",
        "amount": -5000
      },
      {
        "date": "2023-07-01",
        "amount": -5000
      },
      {
        "date": "2023-08-01",
        "amount": -5000
      },
      {
        "date": "2023-09-01",
        "amount": -5000
      },
      {
        "date": "2023-10-01",
        "amount": -5000
      },
      {
        "date": "2023-11-01",
        "amount": -5000
      },
      {
        "date": "2023-12-01",
        "amount": -5000
      },
      {
        "date": "2024-01-01",
        "amount": -5000
      },
      {
        "date": "2024-02-01",
        "amount": -5000
      },
      {
        "date": "2024-03-01",
        "amount": -5000
      },
      {
        "date": "2024-04-01",
        "amount": -5000
      },
      {
        "date": "2024-05-01",
        "amount": -5000
      },
      {
        "date": "2024-06-01",
        "amount": -5000
      },
      {
        "date": "2024-07-01",
        "amount": -5000
      },
      {
        "date": "2024-08-01",
        "amount": -5000
      },
      {
        "date": "2024-09-01",
        "amount": -5000
      },
      {
        "date": "2024-10-01",
        "amount": -5000
      },
      {
        "date": "2024-11-01",
        "amount": -5000
      },
      {
        "date": "2024-12-01",
        "amount": -5000
      },
      {
        "date": "2025-01-01",
        "amount": 155000
      }
    ]
  }
}
```

## Frequently asked questions

### Why use XIRR instead of CAGR for SIP returns?

CAGR only works for a single lumpsum investment at one date. A SIP involves multiple investments at different dates. XIRR accounts for the timing of every instalment to give you a true annualised return. Two SIPs with the same total invested and same end value can have very different XIRRs if the timing differs.

### How does XIRR compare to what a fund house shows as returns?

Mutual fund factsheets show point-to-point NAV returns, not your personalised XIRR. Your actual XIRR depends on exactly when you invested. In a rising market, early SIP instalments benefit more; in a falling market, later instalments buy at lower NAV. XIRR shows your personal experience, not the fund's abstract performance.