Mutual Fund Calculator
Estimate the future value of mutual fund investments combining SIP and lumpsum contributions.
What this calculator does
Most people run one SIP calculator or one lumpsum calculator. Real life is usually both: you have an existing amount sitting in savings (maybe a bonus, an FD that just matured) plus you plan to keep adding monthly. This calculator handles the combined scenario in one go.
The math is straightforward but easy to mess up in your head. The lumpsum compounds for the full period. The SIP amounts compound only for whatever time is left after each contribution — the first month's SIP has 20 years of compounding, but the last month's SIP has just one month.
Practical use: put your current mutual fund folio value in the lumpsum field and your monthly SIP amount in the SIP field. Now you can see the combined future value and understand which component is doing more of the heavy lifting. Almost always, if you're under 40, the SIP wins by a huge margin.
FV_sip = P × [((1+i)^n − 1)/i] × (1+i) • FV_lump = L × (1+r)^tHow to read your projection like an adult
Every investment calculator has one built-in lie: the return rate is an assumption, not a promise. If you use 12% for Indian equity mutual funds, that's a rough long-term average — not what your specific SIP will do next year. Markets are lumpy. The projection is a compass, not a GPS.
Run three scenarios: pessimistic (say 8%), realistic (10-11%), and optimistic (13%). If the pessimistic case still gets you close to your goal, you have a robust plan. If only the optimistic case works, you're one bad market cycle away from disappointment — increase your contribution, extend your timeline, or lower the goal.
Also, watch inflation. ₹1 crore in 2046 will buy roughly what ₹30 lakh buys today (at ~6% inflation). The number that looks huge on a projection is smaller in real purchasing power.
Don't stop contributing when the market falls. That's mathematically the worst time to stop. The whole point of a SIP is that you buy more units when prices are low.
Frequently asked questions
SIP or lumpsum?+
Both. Existing wealth → lumpsum. Monthly income → SIP. That's most Indian earners.
Direct vs Regular plans?+
Always Direct. Same fund, ~1% lower expense ratio, ~5-8 lakh more over 20 years on a ₹10K SIP.
Reminder: this calculator is a learning tool, not personalised advice. For decisions involving your actual money, talk to a SEBI-registered adviser about your specific situation.