Mutual Fund and SIP Returns Calculator — Free
Calculate SIP and lump sum mutual fund returns online for free. Estimate wealth gained, total investment, and final corpus with expected annual return rate.
About Mutual Fund Calculator
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds, benefiting from rupee-cost averaging and the power of compounding over time. Our SIP calculator computes your expected maturity amount based on monthly investment amount, expected annual return rate, and investment duration. It also calculates lump sum investment returns. See the total amount invested, total returns earned, and final corpus value. Includes a year-by-year growth chart showing how your investment grows over time with compounding.
Frequently Asked Questions
What is SIP?
SIP (Systematic Investment Plan) lets you invest a fixed amount monthly in mutual funds, benefiting from rupee-cost averaging and compounding.
What annual return rate should I assume?
Historical large-cap mutual funds have returned 10-12% annually over the long term in India. Conservative estimates use 8%.
How is SIP return calculated?
SIP uses compound interest calculated monthly. Each monthly instalment earns compounded returns for its remaining investment period.
What is the difference between SIP and lump sum?
SIP invests regularly in small amounts reducing timing risk. Lump sum invests the full amount at once.
Does this calculator factor in exit load or expense ratio?
No — this is a simplified calculator showing gross returns. Actual returns will be slightly lower after expense ratios.