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Investment & Retirement Calculators

Mutual Fund Calculator

Combine SIP and lumpsum to project mutual fund corpus.

Enter your details

₹
Enter 0 if you only invest through SIP.
₹
Enter 0 if you only invest a lumpsum.
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Deducted from the expected return to give a net return (direct plans are usually lower than regular plans).
Estimate only. Results depend on the inputs and the rules and rates described below. Verify with the official source or a professional before filing or investing; this is not tax, legal or investment advice.

How it is calculated

Corpus = Lumpsum × (1 + i)n + SIP future value, where i = (expected return − expense ratio) ÷ 12 and n = months.
SIP future value = P × [((1 + i)n − 1) ÷ i] × (1 + i), with the yearly step-up applied to P.

Worked example

₹1,00,000 lumpsum + ₹5,000 monthly SIP (5% yearly step-up) for 15 years at 12% expected return and 1% expense ratio → net 11% compounded monthly; the tool shows the combined corpus, with the lumpsum and SIP parts separately.

About the Mutual Fund Calculator

Combine SIP and lumpsum to project mutual fund corpus. This free investment & retirement tool runs entirely in your browser: nothing you type is sent to a server, and you can save, print or download the result.

What you need to enter

You will be asked for lumpsum investment (today), monthly sip amount, expected annual return, investment period (years), annual step-up in sip, fund expense ratio (annual). Fields marked * are required. Every field shows a hint and the allowed range.

How to use it

  1. Fill in the inputs (sample values are pre-filled so you can see how it works).
  2. Press Calculate to see the result, breakdown and chart.
  3. Use Print, Download PDF or Share to keep the result, or come back to it from your saved history.

Who it helps

Salaried individuals, business owners, investors and professionals who want a quick, transparent estimate before they file, invest or plan. If your case has special facts, our team can review it - ask for a consultation.

Results are estimates based on the rules and rates described under "How it is calculated". Laws change and individual facts differ, so confirm with official sources or a qualified professional before acting. This is not tax, legal or investment advice.

Frequently asked questions

Why deduct the expense ratio?

Published NAVs are already net of the expense ratio, so the return you actually earn is lower than the portfolio's gross return. Subtracting it gives a more realistic projection.

Can I use this for a fund I already hold?

Yes. Put the current value as the lumpsum and your ongoing SIP as the monthly amount. The result is a projection, not a forecast.

Need help beyond the calculator?

Talk to our tax and compliance team for advice based on your documents.

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