Mutual Fund Returns Calculator
Estimate returns on any mutual fund investment. Switch between monthly SIP and one-time lumpsum, set your expected return and see the projected maturity value.
Investment Type
Equity mutual funds have historically returned around 12% a year over the long term. See the Nifty 50 Returns tool for real data.
Total Invested
₹12.00 L
Est. Returns
₹11.23 L
Maturity Value
₹23.23 L
93.6% absolute gain
Year-by-Year Breakdown
Results shown are estimates based on assumed annual returns and are for illustrative purposes only. Actual returns will vary.
What is the mutual fund returns calculator?
This is an all-in-one mutual fund returns calculator that handles both SIP and lumpsum investments. Enter your investment amount, expected annual return and duration, and the calculator instantly projects your final value, total gain and year-by-year growth. Mutual funds in India are professionally managed pools of money invested across equities, debt or a mix, regulated by SEBI. The right fund depends on your goal, time horizon and risk profile. This calculator helps you estimate what any mutual fund investment could become.
How to use the Mutual Fund Returns Calculator
- Choose SIP or Lumpsum. Toggle between monthly recurring investment and a one-time amount.
- Enter the amount. Either your monthly SIP or your one-time lumpsum amount.
- Set the expected return. Use long-term averages for the fund type - typically 10-12% for diversified equity.
- Enter the duration. Number of years you plan to stay invested.
- View the breakdown. See maturity value, total invested, gains and a year-by-year growth chart.
Why use a mutual fund calculator
- Plan goals concretely. Turn a vague dream into a clear monthly or one-time investment figure.
- Compare scenarios instantly. Slide inputs to see the impact of higher returns, longer duration or larger amounts.
- Visualise compounding. The growth chart shows how wealth accelerates in the later years.
- Choose between SIP and lumpsum. One calculator, both modes, easy to compare.
- Always free and accurate. Uses standard mutual fund maths with no hidden assumptions.