Investments
Mutual Fund Calculator
Compare SIP and lumpsum outcomes side by side. Move the sliders or type exact numbers — results update instantly.
Formula checked by Naman, Fistotex founderLast updated Free · No sign-up · Runs in your browser
Your inputs
Investment mode
Maturity value
₹23,23,391
≈ ₹23.23 Lakh
Total invested52%
Estimated returns48%
- Total invested
- ₹12,00,000
- Estimated returns
- ₹11,23,391
Growth over time
Figures are estimates based on the inputs and assumptions shown. Actual outcomes will differ. This is not financial advice.
Guide
Mutual Fund Calculator: what it does and when to use it
This mutual fund calculator lets you switch between monthly SIP and one-time lumpsum investing to compare what the same fund return could produce under each approach.
Enter the return you expect after the fund's expense ratio. A direct plan with a lower expense ratio leaves more of the fund's gross return in your pocket.
How to use it: set each input with the slider or type an exact figure. Results, the chart and the shareable link update instantly.
- Investment mode
- Monthly SIP
- Amount (monthly, or one-time)
- ₹10,000
- Expected annual return
- 12%
- Duration
- 10 years
- Total invested
- ₹12,00,000
- Estimated returns
- ₹11,23,391
- Maturity value
- ₹23,23,391
Method
How this calculation works
The exact formula and assumptions behind the numbers above.
Formula
SIP: FV = P × [((1+r)ⁿ − 1) / r] × (1+r) Lumpsum: FV = P × (1+r)ⁿ
Switch the investment mode above to apply the matching formula.
Assumptions
- SIP smooths your entry price across market cycles.
- Lumpsum gives every rupee the full time horizon to compound.
- Neither is universally better — it depends on your cash flow.
Questions
Frequently asked questions
What is NAV?
Net Asset Value is the per-unit price of a mutual fund. Your units × NAV gives your investment value.
What is an expense ratio?
The annual fee a fund charges, expressed as a percentage of assets. It reduces your net return, so this calculator's return rate should be your expected net figure.
Are mutual fund returns taxed?
Yes. Equity and debt funds are taxed differently and the rates depend on how long you hold the units. The figures here are pre-tax.
Direct or regular plan?
Direct plans have no distributor commission, so their expense ratio is lower. Over long periods the difference compounds into a noticeably larger corpus.
Disclaimer
This calculator is an educational tool. It provides estimates based on the inputs and assumptions shown, and does not constitute personalised financial, investment or tax advice. Actual returns, interest, taxes and fees will vary. Please consult a qualified professional before making financial decisions.