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Mutual Fund Calculator

Estimate your wealth creation by combining initial lumpsum deposits with ongoing SIP monthly contributions.

account_balance_wallet Investment Details

Yr
Mo

Total Invested

₹0

Est. Returns

₹0

Total Wealth

₹0

Growth Schedule

Time Total Invested Returns Earned Total Balance

How Does a Mutual Fund Calculator Work?

A standard calculator either assumes you are making a one-time deposit (Lumpsum) or a monthly deposit (SIP). Our Comprehensive Mutual Fund Calculator lets you do both at the same time, mapping to real-life investing where you might deploy a bonus immediately and then continue with regular monthly savings.

The Power of Compounding

Mutual funds generate returns which are then reinvested to generate their own returns. This calculator estimates the future value of your initial lumpsum compounding alongside your monthly SIP contributions, assuming a constant annual return rate.

Frequently Asked Questions

Which is better: Lumpsum or SIP? expand_more
Both have their merits. Lumpsum is better when the market is low and you have a large amount of cash available. SIP is better for regular salaried individuals to mitigate market volatility through Rupee Cost Averaging. Many successful investors use a hybrid approach (using both!).
Are Mutual Fund returns guaranteed? expand_more
No. Mutual fund investments are subject to market risks. The expected return rate in this calculator is used for estimation purposes based on historical averages (e.g., Equity funds historically average 10-12% in India), but actual returns will fluctuate.