Mutual Fund Returns Calculator - Calculate SIP & Lumpsum Returns Online
Free Mutual Fund Returns Calculator for India. Calculate SIP and lump sum investment growth with expected annual returns. Estimate future corpus, wealth gained, and absolute returns for any goal — retirement, education, or wealth creation.
Calculate Mutual Fund Returns
SIP invests a fixed amount every month. Lump sum is a one-time investment.
Amount you invest every month via SIP
Expected average annual return. Use 10–12% for large cap / index funds, 13–15% for mid cap, 6–8% for debt funds.
How long you plan to stay invested. Longer tenure = greater compounding benefit.
Estimated Corpus
₹23,23,391
Total Invested
₹12,00,000
Wealth Gained
₹11,23,391
Absolute Return
93.62%
How to Use This Mutual Fund Returns Calculator
Using our Mutual Fund Returns Calculator is simple and takes just a few seconds. Enter your values using the sliders or input fields above, and the results will update instantly — no need to click a calculate button.
All calculations are performed in your browser using standard financial formulas. Your data is never stored or transmitted to any server, ensuring complete privacy.
The results shown are estimates based on the inputs you provide. For precise figures, consult with your bank or financial advisor. Use this tool for quick comparisons, planning, and understanding how different variables affect your financial outcomes.
Formula & Explanation
SIP: FV = P × [(1 + r)^n - 1] / r × (1 + r) | Lump Sum: FV = P × (1 + r)^nFor SIP: P = monthly SIP amount, r = monthly return rate (annual rate ÷ 12), n = total months. For lump sum: P = invested amount, r = annual return rate, n = years. Both use compound growth at the stated rate. Actual mutual fund returns vary year to year based on market conditions.
Calculation Examples
₹10,000/month SIP for 10 Years
Large cap or index fund at 12% expected return
Corpus: ₹23.23 L | Invested: ₹12 L | Wealth Gained: ₹11.23 L
₹5,000/month SIP for 20 Years
Long-term SIP showing compounding power at 12%
Corpus: ₹49.96 L | Invested: ₹12 L | Wealth Gained: ₹37.96 L
₹5 Lakh Lump Sum for 15 Years
One-time investment in a mid cap fund at 14%
Corpus: ₹36.73 L | Invested: ₹5 L | Absolute Return: 634%
SIP for ₹1 Crore Target
₹20,000/month SIP for 15 years at 12% to build ₹1 crore
Corpus: ~₹1.00 Cr | Invested: ₹36 L | Wealth Gained: ₹64 L
Benefits
- Plan SIP amount needed for any financial goal
- Compare equity, debt, and hybrid fund returns
- Understand the compounding effect over time
- Estimate corpus for retirement or child's education
- Test SIP vs lump sum for your situation
Use Cases
- Retirement corpus planning
- Child education fund
- Home down payment saving
- Building ₹1 crore target portfolio
- Comparing large cap vs mid cap fund returns
- Deciding SIP amount for a specific goal
About Mutual Fund Returns Calculator
Our Mutual Fund Returns Calculator helps you estimate how your money can grow through SIP (Systematic Investment Plan) or a one-time lump sum investment. Enter your monthly SIP amount or lump sum, the expected annual return rate, and your investment horizon — and instantly see your estimated corpus, total wealth gained, and absolute return. India's mutual fund industry has crossed ₹81 lakh crore in AUM as of 2026, with over 10 crore active SIP accounts. Whether you are planning for retirement, a child's education, or a home down payment, this calculator helps you set a realistic target and choose the right SIP amount.
Frequently Asked Questions
Enter your SIP amount or lump sum, the expected annual return rate, and investment duration. The calculator applies the standard compound interest formula to project your corpus. For SIP, it calculates returns on each monthly instalment separately and sums them up. Results are estimates — actual returns depend on market performance.
Use 10–12% for large-cap or index funds (like Nifty 50), 13–15% for mid-cap funds, 15–18% for small-cap funds, 11–13% for ELSS/tax-saving funds, and 6–8% for debt funds. These are based on historical long-term averages in India. For conservative planning, always use a lower rate (10–11%) than you expect.
Small-cap and mid-cap equity mutual funds have historically delivered the highest returns in India — averaging 14–18% CAGR over 10-year periods. However, they also carry higher risk and volatility. Index funds tracking Nifty 50 or Nifty 500 have delivered consistent 11–13% over the long term with lower costs. Past performance does not guarantee future results.
At 12% expected annual return, a ₹10,000 monthly SIP for 10 years grows to approximately ₹23.2 lakhs against a total investment of ₹12 lakhs — generating ₹11.2 lakhs in wealth. At 15%, the same SIP grows to around ₹27.9 lakhs. The longer the tenure, the more powerful the compounding effect.
SIP is better for regular salaried investors — it removes the need to time the market and benefits from rupee cost averaging (buying more units when markets fall, fewer when they rise). Lump sum works better if you have a large corpus ready and markets are at a relatively low valuation. For most retail investors, SIP reduces risk and delivers consistent long-term returns.
To accumulate ₹1 crore in 15 years at 12% annual return, you need a monthly SIP of approximately ₹20,000. For a 20-year horizon, the required SIP drops to around ₹10,000/month. For a 10-year goal, you would need approximately ₹43,000/month. Use our calculator to find the exact SIP amount for your target corpus and timeline.
No, this calculator shows pre-tax returns. Equity mutual fund gains held over 1 year attract LTCG tax at 12.5% above ₹1.25 lakh per year (as per Budget 2024). Gains from holdings under 1 year are taxed at 20% (STCG). Debt fund gains are taxed as per your income tax slab. For net-of-tax returns, subtract your tax liability from the wealth gained figure.
This calculator uses a fixed expected return rate to project future corpus — it is a planning tool. XIRR (Extended Internal Rate of Return) measures your actual annualised return on completed investments by considering the exact dates and amounts of every transaction. Use this calculator to plan, and our XIRR Calculator to evaluate how your existing investments actually performed.