Mutual Fund Growth Calculator
Estimate the returns of your systematic (SIP) or one-time (Lumpsum) mutual fund investments.
Mutual Fund Estimations
Your combined mutual fund growth results:
Principal Invested
The sum of all monthly SIPs and lumpsum deposits.
Estimated Returns
Market-linked compounding interest returns accumulated.
Total Fund Value
The final valuation of your holdings at the end of the investment tenure.
How is it calculated?
FV = P \times \frac{(1+r)^n - 1}{r} \times (1+r) \quad + \quad L \times (1+r)^tProjects the combined future value of mutual fund holdings under both monthly systematic investment plans (P) and any initial lumpsum deposits (L).
Worked Examples
Combined ₹5,000 SIP and ₹50,000 Lumpsum
Investing ₹50,000 initially and continuing with ₹5,000 monthly for 10 years at a 12% expected annual return grows to a final wealth corpus of ₹12.9 Lakhs.
₹2 Lakh Lumpsum for 15 Years
An initial ₹2 Lakhs mutual fund investment growing at 12% CAGR matures to ₹10.94 Lakhs.
Comprehensive Guide to Systematic Investment Plans (Mutual Fund tool)
What is a SIP and Why is it So Popular?
A Systematic Investment Plan, or SIP, is simply a method of investing a fixed sum of money into a mutual fund or stock portfolio at regular intervals—usually monthly—instead of putting in a lump sum all at once. It's the ultimate tool for building financial discipline and taking the guesswork out of investing.
With a SIP, you don't need to stress about whether the stock market is high or low. By investing the same amount every month, you automatically buy more mutual fund units when prices are low and fewer units when prices are high. This is called Rupee Cost Averaging, and it is the best way to lower your average investment cost over time.
How to Get the Most Out of Our SIP Calculator
Planning your future wealth is easy with our tool. Just type in your monthly SIP amount, the annual return rate you expect, and how many years you plan to stay invested. The calculator will instantly show your total invested capital, estimated earnings, and the final maturity value.
We've also added a step-up option. If you increase your monthly investment by just 10% every year as your salary increases, you'll be amazed at how much faster your wealth grows. This makes it a great tool for planning retirement, buying a home, or funding your children's education.
The Math Behind SIP Returns
SIP returns are calculated using the Future Value of an Annuity formula. Because payments are made at the start of each month, the formula is:
FV = P * [((1 + i)^n - 1) / i] * (1 + i)
In this formula, 'FV' is the final maturity value, 'P' is your monthly investment, 'i' is the monthly interest rate (annual return divided by 12 and then divided by 100), and 'n' is the total number of monthly payments.
For example, if you invest ₹5,000 every month at a 12% annual return for 10 years (120 months), the math shows a final balance of ₹11,61,695. Your total contribution is ₹6,00,000, meaning you earned ₹5,61,695 in compounding returns.
Why Starting Early Beats Everything Else
When it comes to compounding, time is your greatest leverage. Let's compare two friends, Raj and Amit, who both want to build a retirement corpus at age 60, assuming a 12% annual return.
Raj starts early at age 25. He sets up a monthly SIP of ₹5,000 and keeps it running for 35 years. His total out-of-pocket investment is ₹21 Lakhs, but his retirement corpus grows to a massive ₹3.25 Crores.
Amit waits until he turns 35 to start. To make up for lost time, he invests double the amount—₹10,000 monthly—for 25 years. His total investment is ₹30 Lakhs (more than Raj). Yet, at age 60, his corpus only reaches ₹1.90 Crores. Raj ends up with 1.7 times more money than Amit despite investing less, proving that time in the market is much more important than the amount you invest.
Frequently Asked Questions
Can I stop or pause my SIP at any time?
What is Rupee Cost Averaging in SIP?
Are SIP returns tax-free?
Is it better to do a monthly SIP or a weekly SIP?
Results are estimates and should not be considered financial advice.