A fairer fund comparison.

Pick two funds, choose a monthly SIP or a lump-sum investment, the amount and the period. The tool runs the same investment through both funds on the same dates using their actual NAV history and reported payouts, then shows final value, total return and annualised return (XIRR) side by side, with a growth chart.

Returns depend heavily on the start and end dates. Comparing a fund’s 5-year return today with another fund’s return from a different period is misleading. Using one common date range gives a fair, like-for-like comparison.

When a fund distributes a payout (dividend), you can reinvest it to buy more units or take it as cash. Reinvesting compounds your holding; taking cash gives you income but fewer units. The comparison applies your chosen option to both funds equally.

If either fund lacks NAV history or verified payout coverage for the selected period, we tell you instead of filling the gap with invented returns. Shorten the period or pick funds with a longer track record.

You can, but expect very different behaviour. An Islamic equity fund will usually be more volatile than an Islamic money market or income fund. Comparisons are most useful between funds with a similar objective and risk level.