SIP (Systematic Investment Plan) is investing a fixed amount at regular intervals, usually monthly, into a mutual fund. It averages the purchase price over time and builds a disciplined habit.

What return should I expect from a mutual fund?

Equity mutual funds have historically delivered around 10-14% over long periods, but returns vary and are not guaranteed. Use a conservative number for planning.

Mutual Fund Calculator

Estimate the future value of your mutual fund portfolio.

Investment Details

Lump Sum Investment ($)

Monthly SIP ($)

Expected Annual Return (%)

Investment Period (years)

yrs

Expected Maturity Value

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Total Invested

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Total Gain

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Overall Growth (CAGR)

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Invested vs Value by Year

SIP vs lump sum

A SIP spreads your purchases across market ups and downs, reducing timing risk. A lump sum invests everything at once, which can do better in rising markets but carries more timing risk. Many investors combine both — exactly what this calculator models.

Mutual Fund FAQ

Are mutual fund returns guaranteed?▶

No. Equity fund returns depend on the market. The calculator gives an estimate based on the return you enter, not a promise.

How long should I stay invested?▶

Longer horizons (7+ years) historically smooth out market volatility and improve the chance of positive returns. Staying invested through dips usually beats trying to time the market.