07-06-2025, 07:33 AM
Hi everyone,
I’ve been doing SIP investments for a few years now, and one of the most confusing parts in the beginning was understanding how to accurately track returns. I used to check my fund's growth in terms of NAV and total value, but it never gave me a clear picture of the actual annual return I was getting.
That’s when I discovered something called the XIRR Calculator—and it changed the game for me.
Unlike CAGR or simple return percentages, XIRR (Extended Internal Rate of Return) is designed to track irregular cash flows—just like how SIP works. Since SIPs involve regular monthly investments, XIRR is the only method that can give you the true annualized return by considering the timing and amount of each installment.
Here’s what I do now: I’ve started using MySIPonline, a platform that not only makes SIP investing easy but also provides a built-in XIRR Calculator to track returns precisely. The interface is beginner-friendly and also works great for experienced investors looking to manage multiple SIPs in one place.
You simply log in, choose your SIPs, and it shows the return using XIRR along with other details like fund performance, NAV history, and even suggestions to rebalance your portfolio. It saves a lot of time, and the reports are pretty detailed.
So, if you’re serious about tracking your SIP investments accurately, I strongly recommend checking out MySIPonline. It’s free to sign up and has tools that go beyond just buying mutual funds—it’s built for smart investing.
Would love to hear how you all are managing your SIP tracking. Are you using Excel for XIRR? Or any online tool? If you haven’t tried it yet, definitely explore XIRR—it gives you the most realistic view of your returns.
Let’s help each other become smarter investors!
I’ve been doing SIP investments for a few years now, and one of the most confusing parts in the beginning was understanding how to accurately track returns. I used to check my fund's growth in terms of NAV and total value, but it never gave me a clear picture of the actual annual return I was getting.
That’s when I discovered something called the XIRR Calculator—and it changed the game for me.
Unlike CAGR or simple return percentages, XIRR (Extended Internal Rate of Return) is designed to track irregular cash flows—just like how SIP works. Since SIPs involve regular monthly investments, XIRR is the only method that can give you the true annualized return by considering the timing and amount of each installment.
Here’s what I do now: I’ve started using MySIPonline, a platform that not only makes SIP investing easy but also provides a built-in XIRR Calculator to track returns precisely. The interface is beginner-friendly and also works great for experienced investors looking to manage multiple SIPs in one place.
You simply log in, choose your SIPs, and it shows the return using XIRR along with other details like fund performance, NAV history, and even suggestions to rebalance your portfolio. It saves a lot of time, and the reports are pretty detailed.
So, if you’re serious about tracking your SIP investments accurately, I strongly recommend checking out MySIPonline. It’s free to sign up and has tools that go beyond just buying mutual funds—it’s built for smart investing.
Would love to hear how you all are managing your SIP tracking. Are you using Excel for XIRR? Or any online tool? If you haven’t tried it yet, definitely explore XIRR—it gives you the most realistic view of your returns.
Let’s help each other become smarter investors!