Mutual Fund Returns Calculator
Many investors hold both a one-time investment and a monthly SIP in the same fund. This calculator projects the combined value so you can see the whole picture.
Enter a one-time amount, a monthly SIP amount, an expected return and the period. Set either amount to zero to model a pure SIP or a pure lumpsum.
Assumptions used
- SIP instalments at the start of each month, compounding monthly; lumpsum compounding annually.
- One constant return; no expense ratio, exit load or tax deducted.
Enter your details
Results
Projected Value
₹36,12,120
- Total Invested
- ₹15,40,000
- Estimated Returns
- ₹20,72,120
- Invested₹15.40 L(43%)
- Estimated returns₹20.72 L(57%)
Year-wise growth (12 rows)
| Year | Total Invested | Value | Gain |
|---|---|---|---|
| 1 | ₹2,20,000 | ₹2,40,093 | ₹20,093 |
| 2 | ₹3,40,000 | ₹3,97,872 | ₹57,872 |
| 3 | ₹4,60,000 | ₹5,75,569 | ₹1,15,569 |
| 4 | ₹5,80,000 | ₹7,75,700 | ₹1,95,700 |
| 5 | ₹7,00,000 | ₹10,01,098 | ₹3,01,098 |
| 6 | ₹8,20,000 | ₹12,54,952 | ₹4,34,952 |
| 7 | ₹9,40,000 | ₹15,40,858 | ₹6,00,858 |
| 8 | ₹10,60,000 | ₹18,62,862 | ₹8,02,862 |
| 9 | ₹11,80,000 | ₹22,25,523 | ₹10,45,523 |
| 10 | ₹13,00,000 | ₹26,33,976 | ₹13,33,976 |
| 11 | ₹14,20,000 | ₹30,94,003 | ₹16,74,003 |
| 12 | ₹15,40,000 | ₹36,12,120 | ₹20,72,120 |
How the projection is built
The two components are computed separately and added. The SIP part assumes each instalment is invested at the start of the month and compounds monthly; the lumpsum part compounds annually.
Total FV = [ P × (1 + r)^t ] + [ M × ((1 + i)^n − 1) ÷ i × (1 + i) ]
- P = one-time investment, r = annual return ÷ 100, t = years
- M = monthly SIP, i = annual return ÷ 1200, n = months
Reading the result
- Total invested = one-time amount + sum of all SIP instalments.
- Estimated returns = projected value − total invested.
- The year-wise table shows how the combined portfolio could grow.
This is an illustration using one fixed return. Real mutual fund returns vary every year, and the fund's expense ratio and any exit load reduce them.
Direct vs regular plans
A direct plan has a lower expense ratio than a regular plan because it pays no distributor commission. Over 15–20 years that gap can compound into a meaningful difference in the maturity value.
This calculator is for education and illustration only. Results are estimates based on the inputs and assumptions shown and are not financial, investment, tax or legal advice. Verify figures with your bank, a registered adviser or the relevant government department before acting.
Frequently asked questions
Can I model both a SIP and a lumpsum together?
Yes. Enter both amounts. Set the monthly SIP to zero for a pure lumpsum projection, or the one-time amount to zero for a pure SIP projection.
Does this calculator account for the expense ratio?
No. Enter an expected return that is already net of the fund's expense ratio if you want the output to reflect it.
What return should I use for an equity mutual fund?
A conservative long-run assumption is around 10–12% per annum. Debt and hybrid funds are lower. Past performance does not guarantee future returns.
How are mutual fund returns taxed in India?
As capital gains that depend on the fund category (equity vs non-equity) and the holding period. Check the current year's rules or ask a tax professional.
Related calculators & guides
Calculators
- SIP CalculatorProjected maturity value of a monthly SIP, with an optional annual step-up.
- Lumpsum CalculatorFuture value of a single one-time investment that compounds annually.
- CAGR CalculatorThe smoothed annual growth rate between a start and end value.
- ROI CalculatorNet profit, ROI percentage and annualised ROI for any investment.
- Retirement CalculatorThe corpus you need to retire and the monthly investment to build it.