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Tip: CAGR and XIRR give the same answer when there is only one lump sum investment. They differ when you have multiple investments or withdrawals at different times, which is the real-world scenario for most investors.
CAGR (Compound Annual Growth Rate):
CAGR = (Ending Value / Beginning Value)^(1/Years) – 1
Works for single lump-sum investments only. Assumes all money was invested on day one.
XIRR (Extended Internal Rate of Return):
XIRR accounts for the timing of each cash flow. It calculates the annualized return that makes the net present value of all cash flows (investments and redemptions) equal to zero.
Example showing the difference:
XIRR is higher because the later investments had less time to grow but still contributed to the final value. CAGR understates the actual return because it assumes all Rs 10L was locked for 3 years.
Use CAGR when:
Use XIRR when:
For SIP investments, XIRR is the only accurate measure. CAGR will always misstate your actual returns. Use our XIRR Calculator for detailed multi-cashflow analysis.
1. Comparing SIP XIRR to lump-sum CAGR: A SIP returning 18% XIRR is not directly comparable to a fixed deposit returning 7.5% because the SIP had money deployed for varying durations. Apples-to-apples comparison requires the same methodology.
2. Ignoring tax impact: Pre-tax returns are misleading. LTCG on equity above Rs 1.25 Lakh is taxed at 12.5% (Budget 2024). Post-tax XIRR should be the real benchmark.
3. Survivorship bias in fund returns: Funds that perform poorly get merged or closed. The “average fund return” you see in category data is biased upward because losers disappear from the dataset.
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Frequently asked questions about CAGR to XIRR Converter
CAGR assumes a single investment on day one. XIRR handles multiple investments at different dates. For SIP investors, XIRR is always the correct metric. CAGR overstates SIP returns because it assumes all money was invested from the start.
Yes, if the market was falling early (your later SIPs bought at lower prices) and rose later. In a consistently rising market, XIRR is typically lower than CAGR for SIP investors.
AMCs report CAGR for scheme returns. This is the lumpsum return. Your personal return (XIRR) will differ based on when you invested. This is why your actual return often looks different from the published scheme return.
List every SIP installment with its date as a negative cash flow. Add the current portfolio value as a positive cash flow on today’s date. Use our XIRR Calculator to find the rate that makes the net present value of all cash flows equal to zero.
Neither is more accurate in absolute terms. They measure different things. CAGR is accurate for lumpsum. XIRR is accurate for multiple cash flows. Using the wrong metric for your situation gives a misleading picture.
Simple: (Current Value – Total Invested) / Total Invested x 100%. Does not account for time. A 50% absolute return over 1 year is excellent. Over 10 years, it is poor. Always use annualized metrics for comparison.
SIP in a falling market gives higher XIRR than CAGR because you buy more units at lower prices (rupee cost averaging). SIP in a rising market gives lower XIRR than CAGR because your later investments are at higher prices with less time to compound.
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