Mutual Fund Calculator

A mutual fund calculator projects how an investment in a mutual fund could grow (or deplete) over time, based on an expected annual rate of return. The exact numbers differ depending on how you invest: a monthly ₹5,000 SIP at 12% expected annual return for 15 years grows very differently from a one-time ₹5,00,000 lumpsum at the same rate. That is why this page does not have a single input form. Instead, it routes you to the specific calculator built for your investment style, so the maths actually matches what you are doing with your money.

This is also different from checking a fund's historical returns. A mutual fund calculator lets you plan forward with an assumed rate of return you choose, while a tool like the CAGR calculator lets you work backward from a fund's actual past performance, comparing an initial value and a final value to find the annualised growth rate.

If you invest a fixed amount every month, for example ₹10,000 debited on the 5th, use the SIP calculator. If you are investing a one-time amount instead, say a ₹3,00,000 bonus or maturity payout, use the lumpsum calculator: it compounds the full amount from day one rather than spreading it across months. If your monthly contribution is expected to rise each year, for instance increasing your SIP by 10% annually as your salary grows, the step-up SIP calculator models that increasing contribution instead of assuming a flat monthly amount for the whole period.

A Systematic Transfer Plan (STP) moves a fixed amount from one fund, usually a debt or liquid fund, into another, usually equity, at regular intervals. It is a way to put a large lumpsum, say ₹10,00,000, into the market gradually instead of all at once. Use the STP calculator to see how that transfer plays out over time. A Systematic Withdrawal Plan (SWP) works in the opposite direction: you withdraw a fixed amount every month from an existing corpus, commonly used to generate a regular income in retirement. Use the SWP calculator to check how long a corpus like ₹50,00,000 will last at a given monthly withdrawal and expected return.

Once you already hold a mutual fund, CAGR (Compound Annual Growth Rate) is the standard way to compare its performance against another fund or against a fixed deposit, regardless of how volatile the year-to-year returns were. The MF returns calculator is broader: it projects future value for both lump sum and SIP investment modes given an expected rate of return, useful when you want one tool that handles either style of investing.