Compoundedmoney through market history

An investment time machine

See what money lived through, not just what it earned.

Replay a historical investment across real, traceable data. See the falls, recoveries, timing luck and opportunity costs that a final return number hides.

Educational historical benchmark simulation, not investment advice. Pre-tax and before product-specific costs. Gold is an INR benchmark proxy, not a physical-gold transaction price.

2008
2013
2016
2020
2026
One decision. Many possible lives.

Compose your journey

Set the rules before history begins.

The controls stay quiet. The evidence gets the stage.

Investment style
₹
Experience
You are allocating₹10,00,000
↗
40%Nifty 50 TRI₹4,00,000
↗
25%Midcap 150 TRI₹2,50,000
◆
20%Gold benchmark₹2,00,000
◇
15%SBI 3Y FD₹1,50,000

Journey in progress

History is moving around your money.

Unitised portfolio NAV — cash flows removed from drawdown

Fork history

What would you have done here?

Freeze any month and test one decision against staying the course.

Choose a decision above. Compounded will run both futures from the selected month.

Your journey results

—
became —

All possible lives

How much of the outcome was timing?

—
Move across the field to inspect a historical life.

What history taught this portfolio

Evidence from the path you chose, not generic advice.

Where the gains came from

Separate your deposits from what each asset actually earned.

Alternate lives

Same money. Same dates. Different choice.

Educational historical benchmark simulation, not investment advice. Past performance is not a guarantee of future results.

Lab mode

Interrogate the assumptions.

Drag, brush, lock and compare. Every change is historical, never forecast.

A/B experimentsNo scenarios saved yet.

Unitised wealth path

Brush any period. Ask what happened.

Drag across the chart
Drag across any part of the path to compare the portfolio with all four benchmarks in that exact period.

Return ↔ pain map

The trade your allocation actually made.

Each point is a 10%-increment historical allocation. Tap a point to load it.

Methodology

Rigour before spectacle.

Cash flows and drawdowns. SIPs add units at the prevailing portfolio NAV. Drawdowns are measured on that unitised NAV, so a new contribution cannot hide a market loss.

Fixed deposits. Every FD contribution is a separate 36-month lot. The model uses the public SBI 3-year rate in force at that month-end, locks it at opening, represents quarterly compounding with an exact monthly equivalent, and rolls the lot at maturity. Taxes, TDS, premature closure and special-tenor promotions are excluded.

Gold. Gold is a transparent INR proxy: monthly USD gold per troy ounce × INR/USD × 10/31.1034768. It is not an IBJA, jewellery, ETF or physical transaction price.

All Possible Lives. Your strategy is rerun from every eligible monthly start of the same duration. The field is interactive: inspect any life and replay it. The result is a historical distribution, not a forecast.

Counterfactual forks. Fork History changes one decision at a chosen month while preserving the historical market path. Existing SBI FD lots remain locked; actions only alter liquid holdings or future contributions as stated.

Inflation. Purchasing-power context uses a chain-linked monthly headline CPI. The World Bank series is used through February 2025; the official MoSPI revised All-India Combined CPI (base 2024=100) is linked at the overlap and used thereafter. Unreleased CPI months are never extrapolated.

Equities. NIFTY 50 TRI and NIFTY Midcap 150 TRI come from NSE Indices historical Total Return Index data. Compounded takes the last available trading-day TRI observation in each month; for the current partial month, it uses the latest completed trading day. NIFTY Midcap 150 history before its 2016 launch is back-calculated history published by NSE Indices to its 1 April 2005 base date.

Data provenance

Know what every number rests on.

Why this is different

The ending number is only one fact.

Compounded also asks how deep the fall was, how long recovery took, how much timing mattered, what diversification actually changed, and how the same plan behaved across every comparable historical start.

No account is required. Portfolio calculations run in your browser, and the official NSE TRI history is bundled with the app so a visitor's journey does not depend on NSE being reachable at that moment.