Mutual Fund Returns Calculator
Estimate mutual fund returns for a monthly SIP or a one-time lumpsum.
Projects mutual-fund growth for a monthly SIP or a one-time lumpsum at a constant expected annual return. Real returns are market-linked and vary; this is a planning estimate, not a guarantee. Calculated in your browser.
Results are estimates for information only, not financial advice. See how we build and verify our calculators.
Project how a mutual fund investment could grow. Choose a monthly SIP or a one-time lumpsum, set the expected annual return and the period, and see the estimated maturity value, the total you invest and the gains on top. Useful for planning equity, debt or hybrid fund goals. Returns are market-linked and not guaranteed — this is a planning estimate. Runs in your browser.
How to use the Mutual Fund Calculator
- Choose a monthly SIP or a lumpsum.
- Enter the amount, expected annual return and period.
- Read the maturity value, invested amount and estimated gains.
Frequently asked questions
How are mutual fund returns calculated?
A SIP is treated as a monthly investment compounding at the expected annual rate; a lumpsum compounds annually. The maturity value assumes a constant rate, which real funds won't deliver exactly.
What return rate should I assume?
Use a conservative long-run estimate for the fund type — historically equity funds have varied widely year to year, so lower assumptions give a safer plan.
Is the result guaranteed?
No. Mutual fund returns are market-linked and fluctuate. Treat the figure as a planning estimate, not a promised amount.