Mutual Fund Calculator
Estimate the future value of your mutual fund portfolio.
Investment Details
Expected Maturity Value
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
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Mutual Fund Calculator — SIP and lump sum returns
Estimate the future value of your mutual fund investments with this SIP + lump sum calculator. Enter your amounts, expected annual return and horizon, and see the maturity value, total invested, capital gains and CAGR — the true measure of your fund's performance.
How SIP returns build up
Each monthly contribution buys units at that month's NAV (Net Asset Value), naturally averaging your entry price.
$500/month at 10% for 20 years becomes about $380,000 against $120,000 invested — $260,000 of wealth from market returns.
CAGR (Compound Annual Growth Rate) is the annualized return: the single number that lets you compare funds fairly.
Choosing between SIP and lump sum
Lump sum suits large windfalls (bonuses, inheritance) when markets are reasonably valued.
SIP suits steady income earners and removes market-timing risk.
A hybrid strategy — monthly SIPs plus annual lump-top-ups from bonuses — historically delivers the best risk-adjusted growth.
How to use this calculator
- Enter the one-time lump sum investment (or 0).
- Add the monthly SIP amount.
- Input the expected annual return (12% is a common 10+ year equity assumption).
- Set the investment duration in years.
- Read maturity value, gains, total invested and CAGR.
Pro tips
- Choose direct-growth plans over regular-dividend plans to avoid tax drag and distributor commissions.
- Rebalance annually between equity and debt as your goal approaches.
- Check fund track record over 10 years; short track records under 3 years are not meaningful.