Our Mutual Fund Return Calculator helps you instantly calculate the future value of your investments, compare SIP vs. lump sum, and plan your financial goals more effectively.
SIP & Lumpsum Calculator
Estimate your returns with a colorful, professional calculator interface.
SIP Calculator
Lumpsum Calculator
Mutual funds are one of the most popular investment options for wealth creation in India. Whether you invest through a Systematic Investment Plan (SIP) or make a one-time Lump-sum investment, it’s important to estimate how much your money can grow over time.
About the FinMinutes Mutual Fund Return Calculator
This calculator is designed to give investors a clear picture of expected returns based on:
- Investment amount (monthly SIP or one-time Lumpsum)
- Investment duration (in years)
- Expected rate of return (based on conservative, moderate, or aggressive assumptions)
With easy-to-read donut charts and growth trends, you can visually compare your invested amount vs. returns.
How the Mutual Fund Return Calculator Works
- Select your investment type – SIP or Lumpsum.
- Enter the investment amount (monthly for SIP, one-time for Lumpsum).
- Enter the duration (in years).
- Choose your return rate (or enter a custom rate).
- Click Calculate – and instantly see results with charts and metrics.
The calculator uses standard future value formulas for SIP and lump sum investments.
SIP Formula
Where:
- FV = Future Value
- P = Monthly Investment
- r = Annual Rate of Return (in decimal)
- n = 12 (monthly compounding)
- t = Duration in years
Lumpsum Formula
Where:
- P = One-time investment
- r = Annual rate of return
- t = Duration in years
Benefits of Using our Mutual Fund Return Calculator
✅ Compare SIP vs Lumpsum in one place
✅ Set realistic expectations for future returns
✅ Plan financial goals like retirement, house purchase, child’s education, etc.
✅ Test multiple scenarios (conservative, moderate, aggressive returns)
✅ Clear visual charts to understand growth over time
SIP vs Lumpsum: Which is Better?
- SIP is ideal for salaried individuals with regular income. It builds wealth through disciplined monthly investing and benefits from rupee cost averaging.
- Lumpsum works better for those with large surplus funds and a long-term horizon. It allows compounding to work on the full amount from day one.
Our calculator helps you see both scenarios side by side.
CAGR vs Percentage Return
Many investors confuse percentage return with CAGR (Compounded Annual Growth Rate).
- Percentage Return = Overall gain compared to the invested amount.
- CAGR = Annualized return rate that smooths out growth over the investment period.
👉 Example: An investment that grows 2x in 10 years has a 100% return, but CAGR is only 7.18% annually.
Both are displayed in our calculator to provide you with complete clarity.
Example Calculation
Example 1: SIP Investment
- Monthly SIP = ₹10,000
- Duration = 15 years
- Expected Return = 12% per annum
Result:
- Invested = ₹18,00,000
- Total Value = ₹50,89,000
- Returns = ₹32,89,000
- Percentage Return = 182.7%
- CAGR = 12%
👉 Your money grows almost 3x with disciplined investing.
Example 2: Lump-sum Investment
- One-time Investment = ₹5,00,000
- Duration = 15 years
- Expected Return = 12% per annum
Result:
- Invested = ₹5,00,000
- Total Value = ₹27,52,000
- Returns = ₹22,52,000
- Percentage Return = 450%
- CAGR = 12%
👉 Compounding works strongly for long-term lumpsum investments.
FAQs on Mutual Fund Return Calculator
What is a Mutual Fund Return Calculator?
It is a tool that estimates the future value of your SIP or Lump-sum mutual fund investments based on duration and expected return rate.
Is this calculator 100% accurate?
No calculator can predict actual market performance. It works on assumed rates of return to help you plan.
What return rate should I use?
Conservative: 7–9%
Moderate: 12–14%
Aggressive: 16–18%
Choose based on your fund category and risk appetite.
Can I use this calculator for any type of mutual fund?
Yes. It can be used for equity, debt, hybrid, or index funds. Just adjust the return rate accordingly.
What’s the difference between SIP and lump sum in this calculator?
SIP calculates returns on monthly contributions, while a lump sum assumes a one-time investment.
How can our mutual fund return calculator help with goal planning?
By comparing SIP and lump sum, you can decide the best investment method to reach goals like buying a house, a child’s education, or a retirement corpus.
What is the ideal duration to invest in mutual funds?
Equity mutual funds work best with a long-term horizon ( at least 7–10 years, the more the better) for compounding benefits.
Does the calculator include taxes or exit loads?
No, it assumes gross returns. Actual take-home value may be lower after taxes/charges.
Why do SIP and lump sum results differ?
Because SIP invests money gradually, while a lump sum invests all at once, compounding starts earlier for a lump sum.
How often should I use this calculator?
Anytime you want to review financial goals, test different return scenarios, or compare SIP vs. lump sum strategies.