Investments
Mutual Fund Calculator
Combine a one-time lumpsum with a monthly SIP to project total mutual fund returns. Both compound together — see the full picture in one chart.
Inputs
₹
₹0₹2.00 L
₹
₹0₹5.00 Cr
%
1%30%
yr
1 yr40 yr
Future value
₹55,93,117
Total invested
₹19,00,000
Returns
₹36,93,117
SIP grows to
₹50,45,760
Lumpsum grows to
₹5,47,357
Combined growth
SIP + lumpsum compounding together
How returns compound
The lumpsum compounds annually using FV = P × (1+r)^n. The SIP uses the future value of an annuity formula, with monthly compounding. We add both to give you the combined corpus.
Realistic return assumptions
- • Large-cap equity: 10–12% historical CAGR (10+ year periods)
- • Mid/small-cap equity: 13–16% historical, but with higher volatility
- • Hybrid funds: 8–11% blended
- • Debt funds: 6–8% — closer to FD post-tax
Past returns don't guarantee future returns. SEBI mandates this disclaimer for a reason.