Finance & Investment · Mutual Funds & SIP

Rolling Returns Calculator

Paste a fund's or index's NAV history to calculate rolling returns: the annualised return over every possible window of your chosen length, with the best, worst, average and median, and how often returns beat a target.

Your inputs

Quick start — try a typical case

NAV History (illustrative sample — paste your fund's)

97 rows · you can paste rows from Excel or Google Sheets

Dates and NAVs, e.g. month-end values downloaded from AMFI or the fund house.

Window Length

Target Return

% a year

See how often the fund beat this.

Your result Live

Average 3-Year Rolling Return

2.65%

Across 61 windows from Jan 2018 to Jan 2026

Median: 5.44%
Best Window: 8.10% (Dec 2022 – Dec 2025)
Worst Window: -3.03% (Feb 2020 – Feb 2023)
Windows at or Above 10.0%: 0% (0 of 61)
Windows with a Loss: 44%
Middle 80 % of Outcomes: -3.02% to 8.09%

3-year rolling return by start date

How this is calculated

For each start date d: CAGR = (NAV at d + N years ÷ NAV at d)^(1 ÷ years between them) − 1

N: Window length in years; the end NAV is the last one on or before d + N years (within 7 days)

A fund's '5-year return' depends heavily on the start and end dates — one window can look brilliant and the next poor. Rolling returns look at every window of the same length, showing how consistent the fund has been and the range of outcomes an investor actually experienced.

Assumptions & sources

NAVs should be for the growth option (dividends reinvested).
Windows need a data point within 7 days of the exact end date; monthly data gives one window per month.

1Mutual fund investor education (SIP, lumpsum, risk) — AMFI — Association of Mutual Funds in India
2Investor education material — SEBI — Securities and Exchange Board of India
3Investments (Bodie, Kane & Marcus), chapters on returns, compounding and the time value of money — McGraw-Hill

Calculator ID FIN-MF-ROLLING-001 · version 1.0.0

Common questions

Why are rolling returns better than trailing returns?

Trailing returns depend on one start and end date. Rolling returns show all periods, so a single good or bad market phase can't distort the picture.

Where can I get NAV history?

AMFI publishes historical NAVs for every scheme, and fund houses offer downloads. Month-end values are enough for 3- to 5-year windows.