Compare your strategies against the same history.

Every number comes from real published history. Fund houses report NAVs to AMFI daily (read via mfapi.in), and index values come from NSE data. Nothing is estimated or modelled. The tool replays what actually happened, trading day by trading day.

Any mix of mutual funds (all ~16,000 schemes, active and index) and NSE indices, up to 10 holdings per strategy. You can compare up to 3 strategies side by side, and every one is also measured against the NIFTY 50 Total Returns Index.

In a SIP, each monthly instalment stays invested for a different length of time. The first one grows for years, the last one for just a month. XIRR is the standard way to express all of that as one annual return. It is the same measure apps like Groww, Coin and Kuvera show for your own holdings.

A single return depends entirely on when you started. Pick a lucky start date and any fund looks brilliant. So the tool tests every available trading-day start in the history. Each of those runs is one window, and you see the whole range: typical, best and worst.

Every column in the window table is matched by trading date: your strategies and NIFTY 50 TRI are compared over identical dates only, and window winners need a margin of at least 0.5 percentage points before anyone is crowned. Closer than that is called too close, because it is.

Three usual reasons. Plan type: direct and regular plans of the same fund have different NAVs. Option: growth and IDCW are tracked separately. Time window: your app shows the return since your first purchase, while this shows returns across many historical windows. Pick the exact plan named on your account statement for a like-for-like comparison.

The expense ratio, yes, automatically: NAVs are published after fund expenses are deducted, so every fund return here is already net of it. Not included: exit loads, capital gains tax, and distributor commission differences if you hold regular plans.

No, and be wary of anything that claims it can. What this shows is the historical range of outcomes, including what happened to someone who started at the worst possible time. That range is a far more honest guide than a single projected number, but the future can always fall outside the past.

Yes. The analysis runs entirely in your browser. Your holdings are not sent to our servers. If you sign in, the strategies are saved privately to your account. Share links contain only scheme codes or index symbols, the percentage split, and the amount you typed into the simulator.