Mutual Fund Calculator

Calculate your mutual fund returns for SIP and lump sum investments

Home Categories Financial Mutual Fund Calculator
%
years

Future Value

x growth on your investment

Invested: Returns:

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

If you like this calculator

Please help us simply by sharing it. It will help us a lot!

Share this Calculator

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

  1. Start Early: The power of compounding works best over longer periods
  2. Stay Consistent: Regular SIP investments build wealth over time
  3. Diversify: Don't put all eggs in one basket
  4. Review Periodically: Check your portfolio performance annually
  5. 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.