SIP Calculator with real fund history
Most SIP calculators ask you to assume a return rate. This one replays your SIP against a real fund's actual NAV — including every dip along the way.
A monthly SIP of ₹10,000 in UTI Nifty 50 Index Fund - Growth Option - Direct started on 01 Jan 2015 would have invested ₹13,90,000 and be worth ₹27,63,702 today — an XIRR of 11.32%.
Total invested
₹13,90,000
Total returns
₹13,73,702
Final value
₹27,63,702
Based on real NAV from 01 Jan 2015 to 24 Jul 2026 · XIRR 11.32%
Your SIP was down 29% in April 2020 — the recovery that followed is part of why staying invested through the dip mattered.
Frequently asked questions
How is this different from a normal SIP calculator?
A normal SIP calculator asks you to assume a return rate, then compounds it in a straight line. This calculator instead replays your SIP against a real fund’s actual historical NAV, buying units at the real price on each instalment date, so the result reflects what genuinely would have happened — including every dip.
What does the worst dip on the chart mean?
It marks the deepest fall your SIP’s value experienced from its previous peak during the period. It is shown because a straight-line calculator hides this entirely, and knowing how far a real investment fell is part of judging whether you could have stayed invested.
What if the fund is younger than the period I chose?
The calculation automatically starts from the fund’s inception date instead, and tells you the actual history available. Nothing is silently clamped — you always see which dates were really used.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance does not guarantee future returns. These figures are estimates shown before tax, and are for information only — not investment advice.