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%.
Run a simulation on this fund
Year-by-year table
Simulations use the scheme's historical NAVs (regular plan, growth option) as published by AMFI. Instalments and withdrawals are processed at the NAV of the chosen day each month, or the next business day. Taxes, exit loads and stamp duty are not included. Past performance may or may not be sustained in future and is not a guarantee of future returns. This is not a recommendation to buy, sell or hold any scheme. Mutual fund investments are subject to market risks, read all scheme related documents carefully. WishWiseWealth is an AMFI-registered Mutual Fund Distributor, ARN-188221.
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.