What is the What If investment calculator?

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.

Is this real historical data or a projection?

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.

Is the What If calculator investment advice?

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.

calculate Free Tools

Investment Calculators

23 free tools — SIP, Tax, FD, Loan, Retirement & more. No login required.

More Tools expand_more

currency_rupee Direct/Reg Cost gap workspace_premium Gratuity Retirement home_work HRA Rent exempt elderly NPS Pension flag Goal Target account_balance EMI Loan trending_up CAGR Returns payments SWP Withdrawal elderly Retire Corpus account_balance_wallet PPF Savings home Rent/Buy Compare health_and_safety Life Ins Cover need show_chart Step-Up Annual hike history_edu What If Real backtest favorite Money Score Health check timeline Timeline Life goals

23 Calculators

📈 Investment

calculateSIP Calculator paymentsLumpsum flagGoal Planner show_chartStep-Up SIP paymentsSWP history_eduWhat If Simulator favoriteMoney Health Score timelineFinancial Timeline

🏦 Savings

local_fire_departmentFIRE / Retire Early compare_arrowsMF vs FD currency_rupeeDirect vs Regular account_balanceFD Calculator savingsRD Calculator account_balance_walletPPF Calculator elderlyNPS Calculator

💰 Tax Planning

account_balance_walletIncome Tax receipt_longGST Calculator home_workHRA Calculator workspace_premiumGratuity

🏠 Loans

account_balanceEMI Calculator real_estate_agentHome Affordability homeRent vs Buy

🎯 Planning

What If You Had Invested…

Search a Mutual Fund

No fund selected yet — search above.

Growth plans only — dividend (IDCW) and Bonus plans keep NAV flat by design, which would show a misleadingly low backtested return.

Investment Type

Monthly SIP Amount ₹5K

₹500₹2 L

Investment Start Date

Hypothetical backtest using real historical NAV data. Past performance is not indicative of future results. This is not investment advice.

Search and select a mutual fund to see what your investment would be worth today.

Learn More About Investing

compare_arrows SIP vs Lumpsum info What is NAV? savings ELSS Tax Saving trending_up IPO GMP Guide

* 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.