Investment Comparison Calculator & Scenario Simulator

It lets you simulate and compare different investment strategies — for example, SIP vs Lumpsum or Equity vs Debt — across multiple scenarios. You can include taxes, inflation, and growth assumptions, and visualize the results with charts and performance summaries.

You can create multiple scenarios (like “100% Equity” or “60% Equity + 40% Debt”). Each scenario can include multiple instruments with different returns, SIPs, or tax settings. The tool will simulate and chart each side-by-side so you can make a data-backed decision.

Inflation-adjusted or real returns reflect your investment’s purchasing power over time. When you input an inflation rate and enable “Show Real”, the tool deflates your portfolio to show what the future value would be worth in today’s terms. Both Nominal and Real lines appear on the chart for clarity.

Yes. You can choose between Flat Capital Gains Tax (at end) or Annual Income Tax for each instrument. The calculator will automatically deduct taxes from gains based on your chosen tax rate and apply them to the growth curve.

XIRR stands for Extended Internal Rate of Return — a more accurate measure of performance when there are multiple cash flows like SIPs or top-ups. The calculator computes nominal XIRR based on your cash inflows and outflows, including SIPs and the final maturity value after tax.

Absolutely. Use the Export CSV button to download detailed month-by-month data of both Nominal and Real returns. You can open this file in Excel or Google Sheets for deeper analysis or record keeping.

This is a research and simulation tool. Results depend entirely on your input assumptions — such as rate of return, inflation, and tax. Real-world returns may differ based on market conditions, fund performance, and taxation rules.