Investment Time Machine
See what your money would actually have grown into if you'd invested in Nifty 50, Gold, FD or Bitcoin at any date in the past — using real historical data.
Investment Setup
Lump Sum Amount
₹1.00 L one-time
Time Range
2010 → 2024 · 14 years
Assets to Compare
Pick the asset classes you want to back-test side-by-side.
Nifty 50
BSE Sensex
Gold
Bank FD
Bitcoin
USD
If you had invested ₹1.00 L in Bitcoin from 2012 to 2024…
You’d have ₹114.29 Cr today
Nifty 50
₹3.85 L
₹3,85,412
Invested
₹1.00 L
Gain
+₹2.85 L
CAGR
+10.1%
Max Drawdown
-24.6%
Worst yr (2011)
-24.6%
Best yr (2014)
+31.4%
Gold
₹3.99 L
₹3,98,980
Invested
₹1.00 L
Gain
+₹2.99 L
CAGR
+10.4%
Max Drawdown
-19.7%
Worst yr (2014)
-7.7%
Best yr (2011)
+34.7%
Bank FD
₹2.62 L
₹2,61,984
Invested
₹1.00 L
Gain
+₹1.62 L
CAGR
+7.1%
Worst yr (2021)
+5.1%
Best yr (2011)
+9.3%
Bitcoin
₹114.29 Cr
₹1,14,28,57,143
Invested
₹1.00 L
Gain
+₹114.28 Cr
CAGR
+117.9%
Max Drawdown
-70.5%
Worst yr (2018)
-70.5%
Best yr (2013)
+7042.9%
Portfolio Growth Curve
Nifty
Gold
FD
BTC
Year-by-Year Portfolio Value
| Year | Nifty | Gold | FD | BTC |
|---|---|---|---|---|
| 2010 | ₹1,00,000 | ₹1,00,000 | ₹1,00,000 | — |
| 2011 | ₹75,371 | ₹1,34,694 | ₹1,09,250 | — |
| 2012 | ₹96,251 | ₹1,57,143 | ₹1,18,809 | ₹1,00,000 |
| 2013 | ₹1,02,755 | ₹1,45,408 | ₹1,29,205 | ₹71,42,857 |
| 2014 | ₹1,35,012 | ₹1,34,184 | ₹1,40,188 | ₹27,85,714 |
| 2015 | ₹1,29,519 | ₹1,26,224 | ₹1,50,702 | ₹40,71,429 |
| 2016 | ₹1,33,431 | ₹1,46,036 | ₹1,61,251 | ₹92,85,714 |
| 2017 | ₹1,71,654 | ₹1,51,362 | ₹1,71,732 | ₹12,57,14,286 |
| 2018 | ₹1,77,066 | ₹1,60,398 | ₹1,83,324 | ₹3,71,42,857 |
| 2019 | ₹1,98,337 | ₹1,99,490 | ₹1,95,057 | ₹7,31,42,857 |
| 2020 | ₹2,27,905 | ₹2,54,082 | ₹2,05,590 | ₹30,17,14,286 |
| 2021 | ₹2,82,869 | ₹2,47,449 | ₹2,16,075 | ₹49,28,57,143 |
| 2022 | ₹2,95,110 | ₹2,79,592 | ₹2,29,256 | ₹19,57,14,286 |
| 2023 | ₹3,54,214 | ₹3,22,449 | ₹2,44,845 | ₹50,42,85,714 |
| 2024 | ₹3,85,412 | ₹3,98,980 | ₹2,61,984 | ₹1,14,28,57,143 |
Investment Time Machine — Back-test History with Real Data
Almost every SIP and lumpsum calculator on the internet asks you to assume a return rate. The Investment Time Machine does the opposite — it uses real historical prices for Nifty 50, BSE Sensex, Gold, Bank FD, Bitcoin and USD/INR going back to the year 2000, and shows you what would have actually happened to your money if you’d invested at any past date. No assumptions, no projections — just history.
What Makes This Different
📈
Real Historical Data
Year-end prices from NSE, BSE, RBI and MCX — not assumed returns.
⚖️
Side-by-Side Comparison
Compare up to 6 asset classes on a single growth curve.
🧮
Lumpsum + SIP Modes
Back-test both one-time investments and monthly SIPs accurately.
📉
Drawdown Analysis
See the worst year, peak-to-trough drop and best year for every asset.
🎯
CAGR & XIRR
Annualised returns shown for every back-test — the true measure of performance.
🔓
100% Private
All math runs in your browser. No login, no tracking, nothing leaves your device.
How To Use It
1
Pick a mode — Lump Sum (one-time investment) or Monthly SIP.
2
Choose your investment amount.
3
Drag the time range — e.g., 2010 → 2024 (14 years held).
4
Tick the asset classes you want to compare.
5
Read the year-by-year growth chart, drawdown stats and CAGR/XIRR for every asset.
Famous Back-tests to Try
The 2008 Crash Test
Lumpsum of ₹1,00,000 in Nifty from 2007 → 2024. How long until you fully recovered?
Gold vs Equity
A ₹5,000 SIP from 2005 → 2024 in Gold vs Nifty 50 — which actually won?
The Bitcoin Decade
A ₹10,000 lumpsum in Bitcoin from 2013 → 2024. The number is hard to believe.
Boring But Steady
A ₹10,000 SIP in Bank FD from 2000 → 2024 — what does pure safety actually produce?
Frequently Asked Questions
Is this real historical data or simulated?
It is real year-end close data sourced from NSE, BSE, RBI, MCX and public crypto archives. Numbers may differ slightly from other sources because year-end close varies by exchange and trading-day cutoffs, but the magnitude and direction are accurate.
Why year-end prices and not daily data?
Daily data over 25 years × 6 assets would be ~40,000 points — overkill for a back-test that operates at yearly granularity. Year-end snapshots give the same compound result for held-to-maturity simulations and keep the page fast and offline-capable.
How is monthly SIP simulated with annual data?
For each year, we derive the equivalent monthly compounding rate from that year's annual return: (1 + annual)^(1/12) − 1. Then we run a 12-step monthly simulation. This is a standard approximation used in academic back-testing and matches actual SIP returns within ~1% over long horizons.
Why is Bitcoin's start year 2012?
Bitcoin existed from 2009 but was effectively illiquid and largely untradeable in INR before 2012. Pricing before that point would not reflect a realistic investment opportunity for an Indian investor.
Does this account for dividends, expense ratios or taxes?
No. The figures are price-return only. Real-world equity SIPs would typically add 1–2% per annum from dividends (which are reinvested in index funds) but subtract 0.5–1.5% in expense ratios and possible tax. The net effect on long-horizon comparisons is usually small.
What is CAGR vs XIRR?
CAGR (Compound Annual Growth Rate) is the annualised return on a single lumpsum investment. XIRR is the equivalent metric when cashflows happen at multiple points in time — which is the case for SIPs. Both are shown so each mode reports the right number.
Past performance doesn't guarantee future returns. So why look at history?
Two reasons: first, to set realistic expectations — Nifty's 25-year CAGR is closer to 12–13% than the 15% many calculators default to. Second, to see how each asset behaved through real crashes (2008, 2020, 2022) — drawdown matters more than headline return for most investors.