📈 Mutual Fund Calculator
Calculate SIP, Step-up SIP, and Lumpsum returns with visual breakdown. Plan your investments with confidence.
* Estimates only. Mutual fund investments are subject to market risks.
Key Insights — tap any card for details
📊 Year-by-Year Breakdown
| Year | Invested | Est. Value | Total Returns | Yearly Gain | Growth % | Progress |
|---|---|---|---|---|---|---|
| Year 1 | ₹60,000 | ₹64,047 | +₹4,047 | +₹4,047 | 6.7% | |
| Year 2 | ₹1.20 L | ₹1.36 L | +₹16,216 | +₹12,169 | 13.5% | |
| Year 3 | ₹1.80 L | ₹2.18 L | +₹37,538 | +₹21,322 | 20.9% | |
| Year 4 | ₹2.40 L | ₹3.09 L | +₹69,174 | +₹31,636 | 28.8% | |
| Year 5 | ₹3.00 L | ₹4.12 L | +₹1.12 L | +₹43,258 | 37.5% | |
| Year 6 | ₹3.60 L | ₹5.29 L | +₹1.69 L | +₹56,353 | 46.9% | |
| Year 7 | ₹4.20 L | ₹6.60 L | +₹2.40 L | +₹71,110 | 57.1% | |
| Year 8 | ₹4.80 L | ₹8.08 L | +₹3.28 L | +₹87,738 | 68.3% | |
| Year 9 | ₹5.40 L | ₹9.74 L | +₹4.34 L | +₹1.06 L | 80.4% | |
| Year 10 | ₹6.00 L | ₹11.62 L | +₹5.62 L | +₹1.28 L | 93.6% |
📅 Monthly Breakdown
| Month | Cumulative Invested | Est. Value | Total Returns | Interest This Month |
|---|---|---|---|---|
| Jan (M1) | ₹5,000 | ₹5,050 | +₹50 | +₹50 |
| Feb (M2) | ₹10,000 | ₹10,151 | +₹151 | +₹101 |
| Mar (M3) | ₹15,000 | ₹15,302 | +₹302 | +₹151 |
| Apr (M4) | ₹20,000 | ₹20,505 | +₹505 | +₹203 |
| May (M5) | ₹25,000 | ₹25,760 | +₹760 | +₹255 |
| Jun (M6) | ₹30,000 | ₹31,068 | +₹1,068 | +₹308 |
| Jul (M7) | ₹35,000 | ₹36,428 | +₹1,428 | +₹360 |
| Aug (M8) | ₹40,000 | ₹41,843 | +₹1,843 | +₹415 |
| Sep (M9) | ₹45,000 | ₹47,311 | +₹2,311 | +₹468 |
| Oct (M10) | ₹50,000 | ₹52,834 | +₹2,834 | +₹523 |
| Nov (M11) | ₹55,000 | ₹58,413 | +₹3,413 | +₹579 |
| Dec (M12) | ₹60,000 | ₹64,047 | +₹4,047 | +₹634 |
Which Investment Approach is Right for You?
Every investor's situation is different. Use this guide to pick the right calculator and strategy.
I get a monthly salary and want to build long-term wealth
Use the SIP Calculator. Set up a monthly auto-debit so investing is automatic. Start with any amount — even ₹500 — and increase it every year with your salary hike.
I received a bonus, inheritance, or matured FD
Use the Lumpsum Calculator. If markets feel elevated, consider parking in a liquid fund first and using an STP (Systematic Transfer Plan) to move to equity over 6–12 months.
My salary grows 10–20% every year and I want maximum wealth creation
Use the Step-up SIP Calculator. Even a 10% annual step-up on a ₹5,000 SIP creates 3x more wealth over 20 years than a flat SIP. The increment matches your income growth so it rarely feels painful.
I have both a monthly income and a lump corpus to invest
Use both strategies: SIP for monthly income and a staggered lumpsum or STP for the corpus. This is the most common approach for mid-career professionals who receive annual bonuses alongside regular salary.
I am planning for retirement and have 20+ years left
Use the Step-up SIP Calculator with a long time horizon. Over 20–30 years, the step-up effect is extraordinary — the final 5 years of compounding alone can exceed all earlier gains combined.
I want the most conservative, risk-free option
None of these calculators are for you if you want zero risk. Consider FD, RD, or PPF. But if you have a 5+ year horizon, even a conservative 10% equity SIP estimate has historically outperformed all fixed-income instruments.
Frequently Asked Questions
What is a good expected return rate for mutual funds?
Historically, Indian equity mutual funds have given 12–15% annual returns over the long term. Debt funds return 6–8%. For conservative estimates, use 10–12% for equity and 6–7% for debt.
How does SIP investing work?
In a SIP, you invest a fixed amount every month. It averages out your cost (rupee-cost averaging) and reduces the impact of market volatility compared to a one-time investment.
What is CAGR in mutual funds?
CAGR (Compound Annual Growth Rate) is the annualized return rate of an investment over a period. It accounts for compounding, making it more accurate than simple average returns.
Should I choose SIP or lumpsum?
SIP is better for salaried investors and during volatile markets. Lumpsum is better when markets are at a low or if you have a large corpus to invest immediately.
Can I pause my SIP?
Yes, most mutual fund houses allow you to pause or stop your SIP without penalties. Check with your fund house for specific terms.
What is a Step-up SIP?
A Step-up SIP increases your monthly investment by a fixed percentage every year. Starting at ₹5,000/month with a 10% step-up means ₹5,500 in Year 2, ₹6,050 in Year 3, and so on — matching income growth and boosting long-term wealth significantly.
How much more wealth does a Step-up SIP create vs a regular SIP?
Significantly more. ₹5,000/month at 12% over 20 years gives ~₹49.9 L with a regular SIP. With a 10% annual step-up, that grows to ~₹1.20 Cr — over 2.4x more wealth. Use the Step-up SIP tab to see the exact comparison for your numbers.
Is this calculator free?
Completely free! No sign-up, no login, no charges. Use it as many times as you want.