Mutual Fund Return Calculator (SIP & Lumpsum)

Mutual Fund Wealth Planner

Mutual Fund Return Calculator

Plan your wealth with precision. Estimate the future value of your SIP (Systematic Investment Plan) and Lumpsum mutual fund investments in ₹ — see your invested amount, estimated returns and total maturity value instantly.

Monthly Investment ₹

₹500₹10L

Expected Return Rate (p.a.) %

1%30%

Time Period Yr

1 Yr40 Yr

Projected Outcome

Returns Share 0%

Invested Amount₹0

Est. Returns₹0

Total Maturity Value

₹0

Power of Compounding· Start Early, Retire Rich· Rupee Cost Averaging· Disciplined SIP Investing· Long-Term Wealth Creation· Power of Compounding· Start Early, Retire Rich· Rupee Cost Averaging· Disciplined SIP Investing· Long-Term Wealth Creation·

How the Mutual Fund Calculator Works

Our calculator uses standard, industry-accepted compound interest formulas to project your maturity amount. Understanding the maths behind SIP and lumpsum returns helps you set realistic financial goals.

SIP Formula

A SIP invests a fixed amount every month. Future value is calculated using the compound interest formula for a series of payments:

M = P × [ (1 + i)ⁿ − 1 ] / i × (1 + i)

P = monthly amount · i = monthly rate (annual% ÷ 12 ÷ 100) · n = total months.

Lumpsum Formula

A lumpsum invests a one-time amount that compounds annually over the chosen period:

M = P × (1 + r)^t

P = invested amount · r = annual rate (%÷100) · t = time in years.

SIP vs Lumpsum — Which Is Right for You?

Why Choose SIP

SIP brings discipline and rupee-cost averaging — you buy more units when markets are low and fewer when high. Ideal for salaried investors building wealth gradually without timing the market.

When Lumpsum Wins

If you have a large surplus (bonus, maturity payout, sale proceeds) and markets are reasonably valued, a lumpsum lets your entire capital compound from day one — often generating higher absolute returns over long horizons.

Frequently Asked Questions

Is the mutual fund return calculator accurate? +

The calculator gives an estimate based on the expected annual return you enter. Actual mutual fund returns are market-linked and can vary. Use it for goal planning, not as a guarantee of returns.

What is a good expected return rate for SIP? +

Historically, equity mutual funds in India have delivered around 10%–14% CAGR over the long term, while debt funds are lower. A conservative estimate of 10%–12% is commonly used for planning.

Can I lose money in mutual funds? +

Yes. Mutual funds are subject to market risk. Short-term volatility can reduce value, but staying invested for the long term historically smooths out returns. Always read scheme documents carefully.

Does this calculator account for taxes and inflation? +

No. The projection shows gross returns before capital gains tax and inflation. Your real, in-hand returns will be lower after these deductions. Consult a financial advisor for personalised planning.

Disclaimer: Mutual fund investments are subject to market risks. This calculator provides estimates for educational purposes only and does not constitute financial advice.