Mutual Fund Calculator
This mutual fund calculator models the most common real-world way people actually invest: an initial lumpsum to get started, followed by ongoing monthly SIP contributions. Enter what you are investing upfront, how much you will add monthly, an expected return, and the period, to see the combined maturity value. It works equally well if you only have one of the two — set either field to zero to model a pure lumpsum or a pure SIP.
Any amount you invest upfront when starting the fund. Enter 0 if you are starting with a SIP only, no lumpsum.
The amount you add every month on top of the initial investment. Enter 0 if this is a pure lumpsum with no ongoing contributions.
Equity mutual funds have historically averaged 11–13% long-run; hybrid 8–10%; debt 6–7%. Use the figure appropriate to your fund category.
Total years the plan runs — both the initial lumpsum and every SIP instalment compound for however long remains until this point.
Estimated maturity value
सेव करने के लिए लॉग इन करें₹56,45,340
Your lumpsum plus every SIP instalment, all compounded to the end of the period — e.g. ₹1,00,000 upfront plus ₹10,000/month for 15 years reaches about ₹56.45 lakh.
Your actual out-of-pocket money — the initial lumpsum plus every monthly SIP instalment added together, with no growth included.
What the market added on top of both the lumpsum and every SIP instalment combined.
Same figure as total invested, shown here for quick side-by-side comparison against total gains.
Same figure as wealth gained — how much of the maturity value came from returns rather than your own contributions.
Frequently asked questions
Can I use this if I only have a SIP, no lumpsum?+
Yes — set the initial investment field to 0 and the calculator behaves exactly like our dedicated SIP calculator, computing only the monthly-contribution annuity.
Can I use this if I only invested a lumpsum, with no ongoing SIP?+
Yes — set the monthly SIP contribution to 0 and the result matches our lumpsum calculator, showing only the one-time investment's compounded growth.
Why does the lumpsum contribute more gains than its share of money invested?+
Because it has been compounding since day one, while SIP instalments join gradually and have progressively less time to grow. A rupee invested in year one is worth more at maturity than a rupee invested in year ten, regardless of whether it arrived as a lumpsum or a SIP instalment.
Should I increase my SIP amount or add another lumpsum later?+
Both help, but a lumpsum added later has less time to compound than one added today, while a SIP increase compounds gradually going forward. If you receive a bonus, investing it as a fresh lumpsum immediately is usually better than saving it to fund future SIP instalments.
Does the calculator account for expense ratio or exit load?+
No — it shows gross returns before fund expenses. Direct plans typically charge 0.5–1.5% less annually than regular plans; use a rate a little below the fund's stated historical return to approximate the net-of-expense outcome.
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