Investment comparison lab
Put the same starting amount and monthly habit through familiar market benchmarks and fund-style mixes. Replay the market years that actually happened, or look forward with rates you control.
Illustrative value today
Calculating your comparison…
The path matters
These are the exact annual percentages used in the replay. Balanced mixes are calculated from the U.S. stock and 10-year Treasury columns with annual rebalancing.
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Transparent by design
The calculation is local, deterministic, and inspectable. The historical series is embedded and versioned with the page—no client-side API keys, live quotes, or brittle market calls.
Updated August 15, 2026. Educational estimate only.
The model replays calendar-year total returns from the chosen start year through 2025. It converts each year's return to an equivalent monthly rate and adds contributions at month-end. That preserves the annual sequence while approximating within-year timing.
The model applies the editable annual rate for the selected number of years. The rate stays constant, so the output is a scenario, not a forecast, probability range, or guarantee.
S&P 500 and Nifty 50 results are shown in your chosen display currency without foreign-exchange conversion. FTSE 100 is forward-only until a comparable full total-return series is embedded. Taxes, fees, inflation, tracking error, and access costs are excluded.
The 60/40 and 40/60 choices combine the same annual U.S. stock and 10-year Treasury return series, rebalanced annually. They are not specific mutual funds and do not include expenses.
Reference points
S&P 500 total returns and 10-year U.S. Treasury total returns come from NYU Stern's historical-return dataset. Nifty 50 total returns through 2023 come from NSE Indices' 2024 whitepaper; NSE's 2025 market review supplies 2024 and 2025. Values are stored locally so the same inputs always produce the same result.
Yes, for the options marked historical. It replays published calendar-year total returns through 2025. Monthly contribution timing inside each year is approximated from that year's return.
Only as a return-assumption illustration. The calculator displays every outcome in one chosen currency and does not model exchange-rate movements, taxes, fund fees, or access costs.
No. They are simplified stock-and-bond model mixes designed to make allocation tradeoffs easier to explore.
Educational estimate only. This calculator does not provide financial, investment, tax, or legal advice. Indexes are not directly investable, past performance does not predict future results, and actual outcomes can be materially higher or lower.
