Withdrawals that grow with you.
Test a lump sum with monthly withdrawals and an annual percentage increase. See the remaining balance, actual payouts, and whether the portfolio runs out of money.
MONEY LAB · PORTFOLIO LABYour portfolio.
Your portfolio.
Your cash flows.
The whole picture.
A powerful portfolio comparator built for how you actually invest—and withdraw. Explore historical performance with stepped SIPs, increasing SWP withdrawals, and automatic rebalancing in one place.
Rebalance. Or let it drift.
Choose a different rebalancing schedule for each portfolio. Compare restoring your target weights with letting allocations change as markets move.
Compare the journey, not just the finish.
Use the same dates, cash flows, and base currency across portfolios. Examine rolling returns and changing asset weights alongside the final value.
How to use Portfolio Lab
Set your dates and currency
Choose the start and end dates for your backtest, then INR or USD for your results. The calculation uses month-end observations with overlapping history across your assets. A shorter shared history may shorten the comparison.
Choose how money moves
Lumpsum: enter your initial investment. SIP: enter the monthly contribution and annual step-up. Lumpsum + SIP: combine both. Lumpsum + SWP: enter the initial investment, monthly withdrawal, and annual withdrawal increase. Set step-up to 0% for constant monthly amounts.
Add and verify your assets
Select US equity, India equity / MF, or Gold. Enter a ticker, Indian mutual fund name, or AMFI scheme number and press Verify. If there are several matches, select the correct instrument. Check the full scheme name, including Direct/Regular and Growth/IDCW where available. Gold selects GLD (SPDR Gold Shares), a USD-listed ETF.
Assign weights and rebalancing
Enter each asset’s percentage weight so the portfolio totals 100%. Turn rebalancing on to restore those weights every 1, 3, 6, or 12 months, or turn it off to let them drift. Rebalancing is simulated after monthly cash flows.
Analyze one portfolio—or compare several
Keep one portfolio to explore its performance or add more to compare different assets, weights, and rebalancing rules. The shared investment method and cash-flow amounts apply to every portfolio.
Read the charts in context
Choose a rolling-return period from 1 month to 10 years. Periods below a year show cumulative returns; longer periods show annualised returns. Lumpsum results use CAGR; SIP and SWP results use XIRR to account for cash flows. Hover or tap charts for dates and values, and switch portfolios in the asset-weight chart.
Build your best-informed comparison.
Different assets. Different rules. One clear view.
Historical backtests are illustrations, not forecasts or investment advice. Taxes, fees, transaction costs, and tracking error are excluded. Data coverage and quality vary by instrument. GLD is a gold ETF, not a direct holding of physical gold. Past performance does not predict future returns.