Mutual Fund Calculator
Instant results as you type.
₹
₹
%
years
Expected value
₹14,72,280.20
Grown from the one-off amount₹3,10,584.82
Grown from the monthly investment₹11,61,695.38
Amount invested₹7,00,000.00
Estimated gains₹7,72,280.20
For education and planning only. Your bank or lender’s actual figures can differ — fees, rounding, day-count conventions and local rules vary. Always confirm the final numbers with your provider before deciding.
Most people's mutual fund holding is not purely one thing or the other. There was a lumpsum put in at the start — a bonus, a maturing deposit, something sold — and there has been a monthly instalment running since. Calculators usually make you pick one and model it alone, which answers a question you did not ask. This takes both at once and, more usefully, shows you which one did the work.
How to use it
- Enter the one-off amount you started with, or leave it at zero if there was not one.
- Enter the monthly instalment, or leave it at zero if you only invested a lump sum.
- Set the return you expect each year and how long you are staying invested.
- Read the split: how much of the final value grew from the opening amount, and how much from the instalments.
Examples
- 1 lakh up front plus 5,000 a month at 12% for 10 years reaches about 14.7 lakh — 3.1 lakh from the opening amount and 11.6 lakh from the instalments
- Set the monthly amount to zero and it becomes a lump sum calculator; set the opening amount to zero and it matches our SIP calculator exactly
Frequently asked questions
- How is this different from the SIP calculator?
- The SIP calculator models a monthly instalment and nothing else. This one runs a one-off amount and a monthly instalment side by side and reports them separately, which is what an actual holding usually looks like. If you set the one-off amount to zero, the two pages give the identical number — that is deliberate and there is a test that keeps it true. Two calculators on the same site disagreeing about the same instalment would be worse than having only one, because you would have no way to tell which was wrong.
- Is a lump sum better than a SIP?
- Mathematically, investing everything immediately wins more often than not, simply because the money spends longer in the market. Behaviourally it is a different question: a lump sum invested a month before a fall is the kind of experience that makes people abandon a plan altogether, and a plan you abandon returns nothing. The instalment is not primarily a return-optimising device, it is a way of continuing to invest through the periods when you least want to. The split shown here lets you see the trade rather than argue about it in the abstract.
- What return should I assume?
- Whatever you use, use it consistently and treat it as an assumption rather than a forecast. Equity funds are commonly modelled at 10 to 12 per cent over long periods and debt funds far lower, but the average conceals the path: the same average can arrive as a steady climb or as several bad years followed by several good ones, and those feel nothing alike when it is your money. Run the number twice, once at the rate you hope for and once several points below it, and plan around the lower one.
- Does this account for expense ratio and exit load?
- No, and that is worth being explicit about. The return you enter is treated as the return you actually receive, so if you want the figure net of costs, subtract the expense ratio from the rate before you type it — on a fund charging 1.5%, entering 10.5 instead of 12 gets you closer to reality. Exit load, which some funds charge on units sold within a year, is not modelled at all. Neither is tax on your gains. This is a growth calculator, not a statement.