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Fund Simulator · Regular plans · Real NAVs

What would your SIP or SWP really have done?

Pick one mutual fund. We replay SIP, step-up SIP, lumpsum, SWP, step-up SWP, STP and a full build-then-withdraw plan on the fund's actual daily NAVs since launch — not an assumed 12%.

Popular:
SIPA fixed amount every month
Step-up SIPRaise the SIP every year
LumpsumOne-time investment
SWPFixed monthly income
Step-up SWPIncome that rises with inflation
STPLumpsum moved in monthly
SIP → SWPBuild, then live off it
Luck of timingEvery possible start date

Search for a fund above to begin. Only live regular-plan, growth-option schemes are listed — closed, merged and matured schemes are filtered out automatically from AMFI's daily NAV file.

Eight ways to test a fund before you trust it

SIP and step-up SIP

Each instalment buys units at that day's real NAV, so you see the effect of every rally and every crash. Step-up raises the instalment once a year — the simplest habit that can roughly double a 20-year corpus. The step-up tab shows the extra wealth over a flat SIP side by side.

Lumpsum and STP

Lumpsum shows what one investment on a single date became, and the worst fall you would have had to sit through. STP parks the lumpsum in a liquid fund (at the rate you choose) and moves a fixed amount into this fund every month — the usual way to soften the risk of investing a large amount at a market peak.

SWP and step-up SWP

SWP starts with a corpus and pays a monthly income by redeeming units. Step-up SWP raises that income every year to keep pace with inflation — and tells you honestly whether, and when, the money would have run out.

SIP → SWP: the whole life plan

Build a corpus with a SIP, then switch to monthly withdrawals on a date you choose. This is how most retirement plans actually work, replayed on real history.

Luck of timing

Two people can run the same SIP in the same fund and get very different results simply because they started in different months. This tab runs the SIP from every possible start month and shows the best, worst and typical outcome — the most honest way to judge a fund.

Read the result like a professional

  • XIRR is the true yearly return when money goes in or out at different dates.
  • Compare a fund only with others in the same category.
  • Look at the worst fall first. If you would have sold then, the fund is not for you.
  • Check the luck of timing range, not just one start date.

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