Investment Calculator
Mutual Fund Returns Calculator
Project returns for any mutual fund, SIP or lumpsum. Works for equity, debt, or hybrid.
What is Mutual Fund Returns?
Estimates future corpus for any mutual fund investment. Toggle mode (0 = lumpsum, 1 = SIP) to switch calculation style.
Formula
Lumpsum: FV = P × (1+r)t. SIP: FV = P × [((1+r)n−1)/r] × (1+r).
Worked example
₹
A ₹10,000 SIP at 12% for 10 years grows to ~₹23.2 lakh. A ₹10,000 lumpsum at the same return becomes just ₹31,058, SIP beats lumpsum for equal monthly commitment.
Frequently asked questions
Which returns are realistic?
Large-cap equity funds: 10–12%. Mid-cap: 12–15% (higher volatility). Debt funds: 6–8%. Hybrid: 8–10%.
How is MF return taxed?
Equity: LTCG 12.5% above ₹1.25L/year. Debt (post-April 2023): taxed at slab rate.
SIP vs lumpsum for mutual funds?
SIP reduces timing risk. Lumpsum works best if you have a large sum and markets are not at peaks.