Finance

Mutual Fund Returns Calculator

Estimate the future value of your mutual fund investment via lump sum or SIP.

Investment Type

Lump Sum Amount ($)

Expected Annual Return (%)

Time Period (years)

Expense Ratio (%)

Future Value —

Total Invested —

Wealth Gained —

Effective Annual Return (after expense) —

Formulas:
Lump Sum: FV = P × (1 + r)ⁿ
SIP: FV = PMT × [((1 + r)ⁿ − 1) / r] × (1 + r)
Where r = (annual return − expense ratio) / 12

What is a Mutual Fund Calculator?

A mutual fund calculator estimates the future value of your investments in mutual funds. It factors in the expected rate of return, time horizon, investment amount (lump sum or monthly SIP), and expense ratio to give you a projection of wealth accumulation.

Lump Sum vs. SIP

Lump Sum: A one-time investment that benefits from full compounding from day one. Best when markets are low or you receive a windfall.

SIP (Systematic Investment Plan): Regular monthly investments that benefit from rupee/dollar cost averaging, reducing market timing risk.

Impact of Expense Ratio

Even a small expense ratio difference of 0.5% can erode tens of thousands of dollars over 20+ years. Always compare expense ratios when selecting mutual funds.