Mutual Fund Calculator
This mutual fund calculator models the most common real-world way people actually invest: an initial lumpsum to get started, followed by ongoing monthly SIP contributions. Enter what you are investing upfront, how much you will add monthly, an expected return, and the period, to see the combined maturity value. It works equally well if you only have one of the two — set either field to zero to model a pure lumpsum or a pure SIP.
Any amount you invest upfront when starting the fund. Enter 0 if you are starting with a SIP only, no lumpsum.
The amount you add every month on top of the initial investment. Enter 0 if this is a pure lumpsum with no ongoing contributions.
Equity mutual funds have historically averaged 11–13% long-run; hybrid 8–10%; debt 6–7%. Use the figure appropriate to your fund category.
Total years the plan runs — both the initial lumpsum and every SIP instalment compound for however long remains until this point.
Estimated maturity value
₹56,45,340
Your lumpsum plus every SIP instalment, all compounded to the end of the period — e.g. ₹1,00,000 upfront plus ₹10,000/month for 15 years reaches about ₹56.45 lakh.
Your actual out-of-pocket money — the initial lumpsum plus every monthly SIP instalment added together, with no growth included.
What the market added on top of both the lumpsum and every SIP instalment combined.
Same figure as total invested, shown here for quick side-by-side comparison against total gains.
Same figure as wealth gained — how much of the maturity value came from returns rather than your own contributions.
How to use this mutual fund calculator
- 1Initial investment: any amount you put in on day one — enter 0 if you are starting from scratch with just a SIP.
- 2Monthly SIP contribution: your ongoing monthly addition — enter 0 to model a one-time lumpsum with no further contributions.
- 3Expected return: match the rate to your actual fund category (equity, hybrid or debt) rather than using one generic figure for every fund you hold.
- 4Investment period: both the lumpsum and every SIP instalment compound for whatever time remains until this point — the lumpsum for the whole period, each SIP instalment for less.
Understanding your results
Estimated maturity value combines two separately-compounding pieces: your initial lumpsum growing on its own, plus the SIP annuity building alongside it. Total invested is your actual out-of-pocket money — the lumpsum plus every monthly instalment. Wealth gained is what the market added beyond your contributions. Because the lumpsum has been compounding since day one while the SIP instalments join gradually, the lumpsum portion typically contributes a larger share of total gains than its share of total money invested, especially over longer periods — a useful thing to know when deciding whether to prioritise saving a starting lumpsum or maximising the monthly SIP.
The formula
FV = P×(1+r/12)^(12t) + M×[((1+i)ⁿ−1)/i]×(1+i)The first term is the lumpsum P compounding monthly at rate r for t years, exactly like a compound-interest deposit. The second term is the monthly SIP annuity: M is the monthly contribution, i the monthly rate, n the number of months — each instalment compounds for its own remaining time until maturity, summed across all instalments. Adding the two together gives the combined maturity value of a fund receiving both an initial lumpsum and ongoing monthly contributions, which is how most real fund folios actually grow.
A worked example
₹1,00,000 invested upfront plus ₹10,000 per month for 15 years at 12%: the lumpsum alone grows to about ₹5,99,580, and the SIP portion adds a further ₹50,45,760, for a combined maturity value near ₹56,45,340. Total invested was ₹19,00,000 (₹1,00,000 lumpsum plus ₹18,00,000 in SIP instalments), so wealth gained is about ₹37,45,340 — nearly double the money put in. Extend the same plan to 25 years and the combined value reaches roughly ₹2,09,55,198 on ₹31,00,000 invested — the extra decade turns moderate wealth into serious wealth, almost entirely through the compounding of the SIP leg.
Notes for the UK, US and India
This blended lumpsum-plus-SIP pattern is exactly how most Indian investors actually use mutual funds — starting a fund with an initial amount (often from a bonus or the first month's surplus) and then running a SIP alongside it indefinitely. Choose direct plans over regular plans to save roughly 1% in annual expense ratio, which compounds meaningfully over 15–25 years. Equity LTCG above ₹1.25 lakh/year is taxed at 12.5% regardless of whether the units came from the lumpsum or the SIP portion. Outside India, the same blended pattern applies to a 401(k)/IRA or ISA funded with an initial deposit plus ongoing monthly contributions.
Frequently asked questions
Can I use this if I only have a SIP, no lumpsum?+
Yes — set the initial investment field to 0 and the calculator behaves exactly like our dedicated SIP calculator, computing only the monthly-contribution annuity.
Can I use this if I only invested a lumpsum, with no ongoing SIP?+
Yes — set the monthly SIP contribution to 0 and the result matches our lumpsum calculator, showing only the one-time investment's compounded growth.
Why does the lumpsum contribute more gains than its share of money invested?+
Because it has been compounding since day one, while SIP instalments join gradually and have progressively less time to grow. A rupee invested in year one is worth more at maturity than a rupee invested in year ten, regardless of whether it arrived as a lumpsum or a SIP instalment.
Should I increase my SIP amount or add another lumpsum later?+
Both help, but a lumpsum added later has less time to compound than one added today, while a SIP increase compounds gradually going forward. If you receive a bonus, investing it as a fresh lumpsum immediately is usually better than saving it to fund future SIP instalments.
Does the calculator account for expense ratio or exit load?+
No — it shows gross returns before fund expenses. Direct plans typically charge 0.5–1.5% less annually than regular plans; use a rate a little below the fund's stated historical return to approximate the net-of-expense outcome.