Pick any Indian mutual fund. Enter your monthly amount and start date. This calculator uses actual historical NAV from our database — not an assumed 12% — to show exactly what your SIP would have become, rupee by rupee, month by month.
Pick Any FundYour Own DatesReal NAV from DBXIRR + Growth ChartYear-by-Year BreakdownNo Login · Free
Every other SIP calculator asks you to enter an assumed return rate — typically 12%. That tells you nothing about how a specific fund actually performed. A fund that gave 22% CAGR and one that gave 6% CAGR look identical if you type 12% into a generic calculator.
This calculator simulates your SIP month by month using actual historical NAV data from our database — updated nightly from AMFI. The result shows exactly what your money would have become in that specific fund, not what a spreadsheet formula says at 12%.
Returns are shown as XIRR — the same metric used by Zerodha, Groww and every mutual fund platform in India. XIRR accounts for the timing of every monthly investment and is the most accurate way to measure SIP performance.
🔍 Pick a Fund & Run Your SIP
Minimum ₹100 per month
How far back to simulate
Leave blank for today
Fetching NAV data from database…
Using real historical prices from AMFI
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Total Invested
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Current Value
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Gain / Loss
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XIRR (Annualised)
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SIP Duration
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Latest NAV
📈 Portfolio Value Over Time
📋 Year-by-Year SIP Summary
Year
Invested (₹)
Value at Year End (₹)
Gain / Loss (₹)
Return (%)
💡 How This Calculator Works
Most online SIP calculators use a fixed assumed rate — say 12% — and apply a formula. That tells you nothing about real fund performance. This one works differently.
01
Real NAV from Your DB
We read the actual daily NAV history of the fund you pick — stored in our database, updated nightly from AMFI. No assumed rates. No estimates.
02
Monthly Unit Purchase
For each month in your SIP period, we find the NAV on or near the 1st and calculate exactly how many units your amount would have bought.
03
XIRR Calculation
We calculate XIRR — the most accurate way to measure SIP returns. It accounts for the irregular timing of each monthly investment made at different NAVs.
04
Current Value
All accumulated units are valued at the latest NAV in our database, showing you the real profit or loss on your simulated SIP.
What is XIRR? XIRR (Extended Internal Rate of Return) is the standard method used by all mutual fund platforms to calculate SIP returns. Unlike CAGR, XIRR accounts for the exact date of every investment — making it the most accurate measure for staggered monthly investments.
How to Read Your SIP Results
XIRR is the single most important number. An XIRR above 12% means your SIP beat the commonly assumed benchmark. Above 15% is strong for equity funds. Above 20% over 5+ years is exceptional and rare.
Current Value vs Total Invested — the gap between these is your actual gain in rupees. If you invested ₹3 lakh and current value is ₹5.2 lakh, you gained ₹2.2 lakh. More meaningful than a percentage for most people.
Year-by-year table — look at individual years where your portfolio was in the red. This is normal for equity funds. The question is whether the fund recovered strongly after down years. A fund that fell 30% in 2020 but delivered 18% XIRR over 5 years is a good fund.
Try different date ranges — SIP returns are highly sensitive to start and end dates. Try multiple 3-year and 5-year windows to get a fair picture of a fund's consistency across market cycles.
Frequently Asked Questions
What is a good XIRR for a SIP in India? ＋
For equity mutual funds, an XIRR above 12% over 5 years is good — it beats fixed deposits and most debt instruments. Above 15% is strong. Above 20% over 5 years is exceptional. Short periods of 1-2 years can show very high or low XIRR depending on market conditions — always prefer 5-year XIRR for a fair view.
Why does XIRR differ from the return on my fund statement? ＋
Fund statements show point-to-point CAGR from NAV on a specific date to today — not accounting for when each instalment was invested. XIRR treats every monthly instalment separately and calculates one annualised rate across all of them. For SIPs, XIRR is always the more accurate measure.
Can I use this to compare two funds? ＋
Yes — run the calculator for Fund A, note the XIRR, then clear and run for Fund B with the same amount and dates. The XIRR figures are directly comparable. To compare all funds at once across standard periods, use our SIP Returns page which shows 1Y, 3Y and 5Y returns for 1000+ funds side by side.
What if the NAV data is not available for my chosen date? ＋
Our calculator automatically finds the nearest available NAV within a few days of your chosen start date. Markets are closed on weekends and holidays — on those days the calculator uses the next or previous available NAV. If the fund was launched after your start date, the simulation begins from the fund launch date instead.
Data Source: NAV data from our database, updated nightly from official AMFI (Association of Mutual Funds in India) data. Disclaimer: This tool is for educational purposes only. Results are based on historical NAV and do not guarantee future returns. RightAdvise.com is not SEBI registered. Mutual fund investments are subject to market risks. Consult a SEBI-registered investment advisor before investing.