SIP backtester
Every other calculator on this site asks you to assume a return. This one does not. Pick a scheme and a period, and we buy units at the NAV actually published on each instalment date — including the months the market fell.
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SIP date each month
Over a long run this barely matters — which is itself a useful thing to know.
Pick a scheme to begin
Search any of the 6,800 growth-plan schemes AMFI publishes a NAV for. We will replay your SIP against that scheme’s actual NAV on every instalment date.
How the simulation works
- Units are bought at the NAV in force on your chosen date each month. If that day was a weekend or holiday, the previous published NAV is used — which is how a fund house would actually process it.
- XIRR is the annualised return that accounts for each instalment having been invested on a different date. It is the correct measure for a SIP; a simple average of yearly returns flatters.
- No exit load, stamp duty or capital gains tax is deducted, and dividends are assumed reinvested since only growth plans are indexed. Your actual outcome would be a little lower.
- NAV history comes from AMFI’s published record. Where a scheme has been merged or renamed, the history follows the surviving scheme.
Important — Past performance is not indicative of future returns. Figures are computed from AMFI-published NAV history for the direct/regular plan shown and assume no exit load. They are provided for information only and are not a recommendation to buy, sell or hold any scheme.
Want this turned into an actual plan?
A calculator gives you a number. Choosing the schemes, the split between equity and debt, and the order you fund your goals in is the part that needs a conversation. Leave your number and we will call you — there is no charge for the discussion, and no obligation to invest.
We use your details only to contact you about this enquiry. We do not sell or share them.