Free MF Comparison, SIP Calculator & SWP Backtester — Abundance Financial Services®

Use the Fund Compare tab. Search any AMFI-registered fund by name or AMC and add up to 5 funds. The tool shows NAV performance, 1M/3M/1Y/3Y/5Y returns, Sharpe ratio, volatility and maximum drawdown using live data from AMFI.

Sharpe Ratio measures risk-adjusted return: (Fund CAGR − risk-free rate) ÷ annualised volatility. This tool uses 6.5% as the risk-free rate (Indian G-Sec approximation). A Sharpe above 1 is good; above 2 is excellent. Calculated on 5Y data, or full history for newer funds.

Each monthly instalment earns compounded returns for the remaining investment period. The SIP calculator shows corpus at conservative, moderate and aggressive return scenarios. It also supports step-up SIP — increasing your monthly investment by a fixed % each year.

Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount monthly from your mutual fund corpus while the remainder keeps growing. The SWP tab models corpus longevity, shows month-by-month depletion and supports an optional delay period before withdrawals begin.

Go to the Goal Planner tab. Enter your target amount, time horizon, expected return rate and existing corpus. The tool calculates the required monthly SIP, lumpsum, or a combination — with optional inflation adjustment on the target.

EMI formula: P × r × (1+r)ⁿ / ((1+r)ⁿ − 1) where P = principal, r = monthly rate, n = instalments. An amortisation schedule shows year-by-year how much EMI goes to interest vs. principal. Early years are interest-heavy. The EMI tab shows the full schedule with prepayment rows highlighted.

Use the Balance Transfer Analyser in the EMI tab. Enter your current loan, the new lender's rate and processing fee. The tool calculates whether interest savings outweigh switching costs and gives a clear recommend / not recommended verdict with exact figures.

Yes, completely free. Built by Abundance Financial Services® (ARN-251838), an AMFI-registered Mutual Funds Distributor in Haldwani, Uttarakhand. All NAV data is sourced live from AMFI via the open mfapi.in API. No login required.

SIF (Specialised Investment Fund) is a new SEBI-regulated category launched in 2025, sitting between Mutual Funds and PMS. Minimum investment is ₹10 lakh. SIFs can run long-short strategies, use derivatives, and take more concentrated positions than a regular mutual fund — giving sophisticated investors access to alpha-seeking strategies at a fraction of PMS cost.

Mutual Fund: Starts from ₹500. Standardised SEBI-regulated strategies. Best for most retail investors.
SIF: Minimum ₹10 lakh. Flexible strategies (long-short, derivatives overlay). Demat-held units. New in 2025.
PMS: Minimum ₹50 lakh. Fully customised portfolio. Direct securities in your name.
Abundance Financial Services® is an authorised distributor of all three.

Any resident Indian, HUF, NRI, or institution with completed KYC can invest in a SIF. The minimum ticket is ₹10 lakh per investor. This threshold is designed to ensure investors have the financial sophistication and risk capacity for SIF strategies. Contact Abundance Financial Services to explore which SIF is right for you.

SIF taxation mirrors mutual fund rules. Equity-oriented SIFs held 1+ year: 12.5% LTCG on gains above ₹1.25L/year. Held under 1 year: 20% STCG. Debt-oriented SIFs: gains taxed at your income slab rate. Always consult a tax advisor as SIF-specific rules are still being finalised by SEBI.

Yes. Abundance Financial Services® (ARN-251838) is an AMFI-registered SIF Distributor serving investors across India. Call us on +91 98081 05923 or visit getabundance.in to book a free consultation and explore SIF options matching your goals.

The SIP Calculator is a projection tool — it uses an assumed return rate to estimate your future corpus. The SIP NAV Backtester uses actual historical NAV data from AMFI — it buys units at real monthly prices, accumulates them, and shows what your actual corpus and XIRR would have been. For example, a backtest on a Flexi Cap fund from Jan 2010 to Dec 2024 shows the real outcome including market crashes and recoveries — not an assumption. It also shows a what-if table comparing different start years on the same fund.

The SWP NAV Backtester lets you replay a Systematic Withdrawal Plan against a mutual fund's actual historical NAV data. Enter a starting corpus, monthly withdrawal amount, optional step-up, and a date range — and the tool simulates month-by-month unit redemption at real NAVs. It shows whether your corpus survived, the actual XIRR earned, total amount withdrawn, remaining corpus, and a what-if table comparing different start years. This gives a realistic picture of how SWP would have performed on a specific fund — not just a theoretical projection.

XIRR (Extended Internal Rate of Return) calculates the annualised return of irregular cashflows — perfect for SWP where withdrawals happen monthly but the corpus invested lump-sum at the start. CAGR only works for a single start and end value with no intermediate flows. XIRR accounts for the timing and size of every withdrawal, giving a true picture of what the investment actually returned. A positive XIRR means your corpus grew faster than you withdrew; a negative XIRR means withdrawals exceeded growth.

Yes — use the Share URL button in the SWP Backtester. It generates a link that encodes all your inputs (fund, corpus, withdrawal amount, date range) and key results (XIRR, survival status, remaining corpus). When shared on WhatsApp, LinkedIn or Telegram, the link shows a rich preview card with your backtest summary. The recipient opens the exact same backtest pre-loaded in their browser — no login required.

A regular SIP calculator assumes a fixed return rate. The SIP NAV Backtester (in the SIP tab) uses a fund's actual historical NAV data to simulate a real SIP — each monthly instalment buys units at the real NAV for that month. The final corpus reflects actual accumulated units at the ending NAV, including real market crashes and rallies. You also get XIRR on actual cashflows, plus a What-If table comparing 5 different start years automatically.

Each monthly SIP instalment is treated as a negative cashflow on its actual investment date, and the final corpus value is a positive cashflow on the end date. XIRR (Extended Internal Rate of Return) finds the annualised return that makes all these cashflows net to zero — the correct measure for periodic investments. Unlike CAGR, XIRR accounts for the exact timing of every instalment.

Yes — the Share URL button in the SIP NAV Backtester creates a shareable link encoding the fund, SIP amount, step-up, date range, and key results (XIRR, final corpus, total invested). When sent on WhatsApp or LinkedIn, it generates a rich preview card. The recipient opens the exact same backtest pre-loaded — no login required.

Go to the SIP tab and click 📊 NAV Backtest in the mode selector. Search for any AMFI-registered mutual fund by name, enter your monthly SIP amount, optional annual step-up %, and the start and end date range. The tool fetches the fund's full NAV history and simulates buying units each month at the actual NAV. Results include final corpus, total invested, XIRR, best and worst start-year scenarios, and a corpus growth chart.