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SIP Backtest Tool

Simulate a past SIP in any mutual fund. See invested vs current value, XIRR, profit/loss and month-wise transactions.

How the SIP Backtest Works

A SIP backtest simulates what would have happened if you'd started a monthly SIP in a chosen mutual fund on a chosen date. We invest your chosen amount on the first available NAV of each month, add up the units, and compare with today's NAV.

You'll see total invested, current value, profit/loss, and annualized XIRR. We also flag if the portfolio ever dipped below the invested capital (psychological stress indicator).

Want to compare how two funds performed? Use the Fund Comparison Tool. To calculate future SIPs, try the SIP Calculator.

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SIP Backtest — Frequently Asked Questions

A SIP backtest replays what would have happened if you had started a SIP in a chosen fund on a past date, using that fund's real historical NAV. It lays out every monthly instalment, the NAV on that date, the units bought and how the value moved over time. The point is to see the journey, including the falls, rather than only a final figure.

Past performance does not predict or guarantee future returns, and a backtest should never be read as a forecast. What it genuinely tells you is how a fund behaved through difficult periods — how far it fell, and how long it took to recover. That is useful for judging whether you could have stayed invested, which is a different question from what it will earn next.

In a SIP, money goes in on many different dates, so every instalment stays invested for a different length of time. XIRR accounts for that pattern of cash flows and produces the correct annualised figure. CAGR assumes a single lump sum invested once, so applying it to a SIP gives a misleading number.

Capital dip marks the periods when the value of your holding fell below the total amount you had invested up to that point. This happens in almost every long-running equity SIP at some stage, including during 2008 and 2020. Seeing it in advance matters because those are precisely the moments when investors stop their SIPs.

Run at least five years, and ten if the data allows, because a short window usually captures only one favourable or one difficult phase of the market. A longer period shows how the fund handled different cycles. This tool is free to use and will run across as much historical data as is available for the scheme.

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