Stock SIP backtest
Rs 5,000 a month in Reliance over the last year would be worth Rs 55,026 now, an XIRR of -25.60%. Choose a stock, amount and start month.
Results update as you type. Nothing you enter is stored.
| Buy date | Price | Units |
|---|---|---|
| 1 Oct 2025 | Rs 1,368.70 | 3.6531 |
| 3 Nov 2025 | Rs 1,484.70 | 3.3677 |
| 1 Dec 2025 | Rs 1,566.10 | 3.1926 |
| 1 Jan 2026 | Rs 1,575.60 | 3.1734 |
| 2 Feb 2026 | Rs 1,390.40 | 3.5961 |
| 2 Mar 2026 | Rs 1,358.00 | 3.6819 |
| 1 Apr 2026 | Rs 1,369.20 | 3.6518 |
| 4 May 2026 | Rs 1,463.10 | 3.4174 |
| 1 Jun 2026 | Rs 1,320.00 | 3.7879 |
| 1 Jul 2026 | Rs 1,308.00 | 3.8226 |
| 3 Aug 2026 | Rs 1,319.00 | 3.7908 |
| 1 Sep 2026 | Rs 1,309.00 | 3.8197 |
| 1 Oct 2026 | Rs 1,167.70 | 4.2819 |
Buys on the first stored trading day of each month; latest close 30 Oct 2026.
How it works
Each month the calculator buys rupees' worth of shares (fractional, for simplicity) at the first stored NSE close of the month, then values everything at the latest close. XIRR turns the dated buys and today's value into an annual rate.
Formula
Units = amount / close each month; value = total units x latest close; XIRR on the dated flows
Frequently asked questions
What is a stock SIP?
Buying a fixed amount of a stock every month regardless of price.
Why fractional shares?
To keep the arithmetic exact; real brokers buy whole shares and leave cash over.
How long is the history?
From 24 Sep 2025, when our stored NSE data begins.
Related
This tool is for information only and is not investment, tax or legal advice. Results depend on the inputs and assumptions you enter; check important figures with the official source or a qualified professional.