Monte Carlo SIP Simulator
Project an SIP across 1,000 simulated paths, with probability bands instead of a single straight line.
₹10,000/month for 15 years
The median path might land near ₹52L, but the realistic range runs from roughly ₹29L in an unlucky sequence to far higher in a good one. The goal-probability tells you how many of the 1,000 paths clear your target — a far more honest answer than a single projected return.
Illustrative result with sample data — run it on a real fund after signing up.
Stop projecting one number
Probability bands
See the P10, median and P90 corpus at your horizon — the realistic range, not one optimistic number.
Driven by real volatility
Paths are simulated from the fund's actual monthly return distribution, so the spread reflects real risk.
Goal probability
Set a target and see what share of the 1,000 paths actually reach it by your horizon.
1,000 SIP paths in seconds
Set your SIP
Enter the monthly amount, an optional lump sum, the horizon, and (optionally) a goal amount.
Choose the fund
We derive the return and volatility profile from the fund's NAV history — no need to guess an expected return.
See the range of outcomes
1,000 paths produce a fan of corpus values; the bands show how wide the realistic range is.
Common questions
What is a Monte Carlo simulation for an SIP?+
It runs thousands of random scenarios using a fund's historical return distribution. Instead of one expected return (say 12%), it shows a range — the 10th percentile (bad), median (typical) and 90th percentile (good) — so you can plan with uncertainty in mind.
Why is a single projected SIP return misleading?+
One expected return ignores the randomness of markets. A fund averaging 12% can deliver anywhere from 4% to 20% depending on the sequence of returns — and for SIPs the timing of each installment matters. Monte Carlo captures that full range.
How many simulations does it run?+
1,000 per analysis. Each randomly samples from the fund's historical monthly return distribution to simulate one possible path over your horizon; the distribution of all 1,000 final values gives the probability bands.
What inputs does the simulator need?+
The fund, your monthly SIP amount, and your horizon in years (plus an optional lump sum and goal). We estimate return and volatility from the fund's actual NAV data — you don't enter an expected return manually.
Run it on your fund
Create a free account and run monte carlo sip simulator on any fund in seconds.
Try it free