Mutual Fund Returns Calculator
Calculate SIP and lumpsum mutual fund returns with growth visualization.
Mutual Fund Returns Calculator
SIP & Lumpsum investment calculator | Visualize wealth growth
Fund Categories & Expected Returns
Growth Over Time
Mutual Fund Investment Tips
SIP vs Lumpsum: SIP (Systematic Investment Plan) averages out market volatility through rupee cost averaging. Lumpsum works better in a rising market. Combine both for optimal strategy.
Power of Compounding: Starting early matters more than investing more. Rs 5,000/month SIP at 12% for 25 years = Rs 95L. Starting 10 years late with Rs 10,000/month = only Rs 50L.
Tax on Mutual Funds: Equity funds: STCG (15%) if sold within 1 year, LTCG (12.5%) above Rs 1.25L/year if held over 1 year. Debt funds: taxed at slab rate.
ELSS for Tax Saving: Equity Linked Saving Scheme qualifies for Section 80C deduction up to Rs 1.5L. Shortest lock-in (3 years) among all 80C instruments.
How to Use Mutual Fund Returns Calculator
- 1
Select investment mode: SIP (monthly), Lumpsum (one-time), or both.
- 2
Enter your investment amount using the input box or slider.
- 3
Set expected annual return rate — use fund category guidelines for reference.
- 4
Set investment period in years using the slider (1-40 years).
- 5
View returns, wealth multiplier, growth chart, and toggle year-by-year breakdown.
About Mutual Fund Returns Calculator
Calculate expected returns on mutual fund investments with our comprehensive calculator. Supports SIP (monthly investment), Lumpsum (one-time), and SIP + Lumpsum combined strategy.
Key Features
- 3 Investment Modes: SIP, Lumpsum, or SIP + Lumpsum combined strategy.
- Visual Growth Chart: Bar chart showing investment vs returns over time.
- Wealth Multiplier: See how many times your investment grows.
- Year-by-Year Breakdown: Annual corpus and returns table for the full investment period.
- Fund Category Guidelines: Large Cap (10-12%), Mid Cap (12-15%), Small Cap (15-18%), Index (10-13%), ELSS (12-15%), Debt (6-8%) reference rates.
Who Is This For?
Perfect for investors planning SIPs, evaluating lumpsum opportunities, or understanding the power of compounding for long-term financial goals.
Privacy & Security
All calculations run instantly in your browser — no data stored, no signup required.