What-If Calculator
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Quick Summary
- See what your SIP or lumpsum in any mutual fund would actually be worth today, using real historical NAV data instead of assumed returns. Free tool.
- For example, ₹10,000/month SIP in a large-cap fund since 2015 works out to Shows real, backtested current value (not an estimate).
- Built for investors curious what a real past SIP or lumpsum in a specific mutual fund would be worth today
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What If You Had Invested…
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Growth plans only — dividend (IDCW) and Bonus plans keep NAV flat by design, which would show a misleadingly low backtested return.
Hypothetical backtest using real historical NAV data. Past performance is not indicative of future results. This is not investment advice.
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Current Value
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Gain
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Annualized (XIRR)
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Invested vs. Current Value Over Time
How the What-If Calculator Works
You pick a real mutual fund, an investment type (SIP or lumpsum), and a start date. The calculator pulls that fund's actual historical NAV data (via AMFI/mfapi.in) and replays exactly what your money would be worth today — no assumed return rate, just real historical performance.
Example Scenarios
| Scenario | Result |
|---|---|
| ₹10,000/month SIP in a large-cap fund since 2015 | Shows real, backtested current value (not an estimate) |
| ₹1 lakh lumpsum in a flexi-cap fund since 2018 | Reflects the fund's actual historical NAV path |
| Any fund + any start date | 100% real AMFI/mfapi.in NAV data, no assumed return |
* Illustrative estimates assuming constant annual returns. Actual results vary with market conditions.
Frequently Asked Questions
It's a backtest tool that shows what a hypothetical SIP or lumpsum investment in a real mutual fund would be worth today, calculated using that fund's actual historical NAV data — not an assumed or projected return rate like other calculators.
It's 100% real historical NAV data sourced from AMFI via mfapi.in for the specific fund you select. Every rupee amount shown is what that exact investment would actually be worth today, based on how the fund really performed.
No. It's a hypothetical, backward-looking backtest for educational purposes only. Past performance of a fund does not guarantee or predict future returns, and this tool does not recommend any fund. TopFund is not a SEBI-registered investment adviser — consult one before investing.
Common Mistakes to Avoid
- Treating a good historical backtest as a guarantee of similar future performance.
- Cherry-picking a start date right before a market rally to make a fund look better than it typically performs.
- Using this tool as investment advice rather than an educational, backward-looking illustration.
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* Calculations assume constant annual returns. Actual mutual fund returns vary. Past performance is not indicative of future results. FD comparison uses 7% p.a. SIP returns are compounded monthly.
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