Mutual Fund Returns Calculator

Estimate the value of a monthly SIP or a one-time lumpsum investment.

Monthly amount for a SIP, or the one-time amount for a lumpsum.
Returns are not guaranteed.

Estimated value

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  • Amount invested
  • Estimated returns
Amount invested
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Estimated returns
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Total value
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Illustrative estimates only, based on the assumptions you choose. Actual returns, rates and costs will vary.

About the Mutual Fund Returns calculator

Mutual fund returns depend on how you invest. A SIP adds a fixed amount every month; a lumpsum puts all the money to work at once.

Choose SIP or lumpsum, enter the amount, an expected return and the time period, and see what your investment could grow to.

How to use it

  1. Move the sliders, or type a value into each box.
  2. Watch the results and chart update as you go.
  3. Try different assumptions to see what changes the outcome most, then talk to us about a plan.

The formula

SIP: FV = P × [ (1 + i)n − 1 ] ÷ i × (1 + i) · Lumpsum: FV = P × (1 + r)t

  • P: monthly (SIP) or one-time (lumpsum) amount
  • i: monthly return; r: annual return
  • n: months; t: years

Example

A SIP of ₹10,000 a month for 10 years at 12% could grow to about ₹23,23,391; a one-time ₹5,00,000 at 12% for 10 years could grow to about ₹15,52,924.

Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns.

FAQs

Mutual Fund Returns Calculator: common questions

A SIP spreads your buying over time and suits regular income. A lumpsum can do better when markets rise steadily, but carries more timing risk.

No. Mutual fund returns vary with the market. The calculator uses a steady rate for illustration only.

Want a plan, not just a number?

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