Labs/SIP Backtester

SIP Rolling Returns Backtester

Build a portfolio of real mutual funds and indices, simulate 20 years of monthly SIPs on actual NAV data, and find out the probability that your portfolio historically funded your FIRE corpus.

⚠Analysis tool — not investment advice. Results are estimates for educational purposes only and do not constitute a recommendation to buy, sell, or hold any security. Past performance is not indicative of future results. For personalised advice, consult a SEBI-registered investment advisor.

Quick start:

No assets yet — add below

Annual rebalancing

Annual step-up%

Plot Options

Investment Mode

Rolling Period

Monthly SIP

₹10,000

XIRR is scale-invariant — this affects corpus view and SIP range calculations.

Chart View

Real returns (inflation-adjusted)

Subtracts ~6% avg India CPI from nominal XIRR

Data sources: MF NAVs via mfapi.in (up to 25 years). Index data via Yahoo Finance.

XIRR: Internal rate of return on all SIP cashflows in each rolling window, annualised.

Rolling window: Each point = a 5Y SIP that ended on that date. Earlier windows may be unavailable if the fund is younger.

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Add funds and hit Plot

Build your portfolio on the left — add mutual funds, indices, or use a preset — then click Plot to run the backtest.