Returns across SIP + lumpsum. The Mutual Fund Returns Calculator takes lump sum invested now, monthly sip, expected annual return, years and returns estimated total value plus total invested, estimated gains, value of the lump sum, value of the sip. Results update as you type, and the formula is shown under the result so you can repeat it in your own spreadsheet.
Government-backed schemes publish their interest rates quarterly and market-linked funds do not guarantee returns. Enter the current rate for the scheme and treat market-return assumptions as scenarios rather than promises. Use the worked example below to check the maths against your own figures.
How the Mutual Fund Returns Calculator works
Most investors hold both a lump sum and a running SIP in a fund; this combines the two at one assumed return so you can see the total and how much came from each.
Worked example
With the example values (lump sum invested now of ₹200,000, monthly sip of ₹5,000, expected annual return of 12%, years of 10 years), the estimated total value is ₹1,782,865.02; total invested ₹800,000.00, estimated gains ₹982,865.02, value of the lump sum ₹621,169.64, value of the sip ₹1,161,695.38. Change any figure above and the result updates immediately; use Copy results to paste the summary into a note or email.
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Frequently Asked Questions
How is estimated total value calculated?
value = lump sum × (1 + r)years + SIP future value at the monthly rate.
Which figures do I need?
Lump sum invested now, monthly sip, expected annual return, years. Take them from the same period and the same set of accounts or reports so the ratio is consistent, and check the example values as a guide to the units expected.
Is the interest rate fixed?
Small-savings rates are reviewed by the government every quarter and bank rates change with policy; market-linked schemes have no fixed rate at all. Enter the current rate for your scheme and revisit the result when rates change.
