Mutual Fund Calculator
Calculate your mutual fund returns for SIP and lump sum investments
Future Value
x growth on your investment
Invested Amount
Estimated Returns
Total Value
Year-by-Year Breakdown
| Year | Invested | Returns | Total Value |
|---|---|---|---|
Quick Tips
Start Early
Time is your biggest ally in wealth creation
Stay Consistent
Regular SIP investments build wealth over time
Increase SIP Annually
Increase your SIP amount as income grows
Market Risks
Mutual fund investments are subject to market risks
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About Mutual Fund Calculator
What is a Mutual Fund Calculator?
A mutual fund calculator helps you estimate the potential returns on your mutual fund investments. It supports two main investment methods: SIP (Systematic Investment Plan) and Lump Sum investments.
Investment Methods
SIP (Systematic Investment Plan)
SIP allows you to invest a fixed amount regularly (usually monthly) in a mutual fund. This approach helps in:
- Rupee Cost Averaging: Buying more units when prices are low and fewer when high
- Disciplined Investing: Regular investment habit building
- Flexibility: Start with small amounts and increase over time
Lump Sum Investment
A one-time investment of a larger amount. This is suitable when you have a surplus amount to invest at once.
Understanding the Formulas
SIP Future Value Formula
FV = P × {[(1 + r)^n – 1] / r} × (1 + r)
Where:
- FV = Future Value
- P = Monthly investment amount
- r = Monthly rate of return (annual rate / 12)
- n = Total number of months
Lump Sum Future Value Formula
FV = P × (1 + r)^n
Where:
- FV = Future Value
- P = Principal (initial investment)
- r = Annual rate of return
- n = Number of years
Benefits of Using This Calculator
| Feature | Benefit |
|---|---|
| SIP Mode | Plan regular monthly investments |
| Lump Sum Mode | Calculate one-time investment growth |
| Returns Breakdown | See invested vs earned amounts |
| Visual Charts | Understand your investment growth |
Tips for Mutual Fund Investing
- Start Early: The power of compounding works best over longer periods
- Stay Consistent: Regular SIP investments build wealth over time
- Diversify: Don't put all eggs in one basket
- Review Periodically: Check your portfolio performance annually
- Increase SIP Amount: Increase your SIP as your income grows
Expected Returns by Fund Type
| Fund Type | Risk Level | Typical Returns (CAGR) |
|---|---|---|
| Equity Funds | High | 12-15% |
| Hybrid Funds | Medium | 10-12% |
| Debt Funds | Low | 6-8% |
| Index Funds | Medium | 10-12% |
| ELSS Funds | High | 12-15% |
Note: Past returns don't guarantee future performance. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.