Project your mutual fund returns with both lumpsum and SIP contributions in a single view. Most real-world investors use both - a one-time bonus or savings as lumpsum, plus a steady monthly SIP. This calculator combines them year by year.
Typical category returns
Equity 11-13% · Hybrid 9-10% · Debt 6-8%
Final value
₹55,95,382
After 15 years
Total invested
₹19,00,000
Total gains
₹36,95,382
Invested vs gains
Year-by-year growth
| Year | Invested | Value | Gains |
|---|---|---|---|
| 1 | ₹2,20,000 | ₹2,39,508 | ₹19,508 |
| 2 | ₹3,40,000 | ₹3,96,708 | ₹56,708 |
| 3 | ₹4,60,000 | ₹5,73,846 | ₹1,13,846 |
| 4 | ₹5,80,000 | ₹7,73,449 | ₹1,93,449 |
| 5 | ₹7,00,000 | ₹9,98,366 | ₹2,98,366 |
| 6 | ₹8,20,000 | ₹12,51,809 | ₹4,31,809 |
| 7 | ₹9,40,000 | ₹15,37,395 | ₹5,97,395 |
| 8 | ₹10,60,000 | ₹18,59,200 | ₹7,99,200 |
| 9 | ₹11,80,000 | ₹22,21,818 | ₹10,41,818 |
| 10 | ₹13,00,000 | ₹26,30,426 | ₹13,30,426 |
| 11 | ₹14,20,000 | ₹30,90,854 | ₹16,70,854 |
| 12 | ₹15,40,000 | ₹36,09,677 | ₹20,69,677 |
| 13 | ₹16,60,000 | ₹41,94,300 | ₹25,34,300 |
| 14 | ₹17,80,000 | ₹48,53,067 | ₹30,73,067 |
| 15 | ₹19,00,000 | ₹55,95,382 | ₹36,95,382 |
Returns shown are illustrative - based on a constant assumed rate. Real mutual fund returns vary year to year. Equity LTCG above ₹1.25 lakh is taxed at 12.5%; debt fund gains at slab rate. Use direct plans for ~1% lower expense ratio.
Mutual fund investing in India has crossed ₹65 lakh crore in industry AUM as of early 2026, with roughly half of that in equity-oriented schemes and half across debt, hybrid and other categories. The reason is structural: mutual funds offer access to a professionally managed, diversified portfolio at fees as low as 0.05% (large-cap index funds) to 1% (active funds), and they handle the operational complexity - KYC, tax reporting, dividend reinvestment - that scared retail investors away from direct stock investing for decades. For most working professionals, a small handful of mutual funds is the entire equity portfolio.
This calculator models the real-world investor pattern: a starting lump-sum (an inherited corpus, an annual bonus, an inherited PF balance) plus a steady monthly SIP. Both components compound at the chosen annual rate. The output gives you the projected maturity value, total invested, and gains separately so you can see how much of your wealth is contributions vs compounding. For pure SIPs, use the SIP calculator; for pure lump-sums, the compound interest calculator; this one is the combined view.
Enter your initial lumpsum amount (set 0 if you only do SIP).
Enter your monthly SIP amount (set 0 for pure lumpsum).
Set the expected annual return - equity 11-13%, hybrid 9-10%, debt 6-8% historically.
Pick the investment horizon in years.
See the final value, total invested, total gains, and the year-by-year growth path.
Each month the calculator grows the existing balance by the monthly rate (annual rate ÷ 12) and adds the SIP. Initial lumpsum starts compounding from day 1; each new SIP starts compounding from the month it's invested. Over time, gains compound on gains - the so-called eighth wonder.
Bal_m = Bal_(m−1) × (1 + r) + SIP ; FinalValue = Bal at the end of horizon
The underlying math is a hybrid of the future-value-of-lump-sum and future-value-of-annuity formulas. The lump-sum component grows as P × (1+r)^n where r is monthly rate and n is months. The SIP component grows as M × [((1+r)^n − 1)/r] × (1+r), where M is the monthly investment. The calculator adds the two and shows the year-wise progression. For 25+ year horizons, the compounding on the lump-sum portion typically dominates - which is why bringing forward investment by even a few years has dramatic long-term effects.
Return assumptions vary by fund category. Use 11-12% for large-cap or Nifty 50 index funds, 12-14% for diversified flexi-cap funds, 13-15% for mid-cap funds (with much higher volatility), 8-9% for hybrid (60-80% equity), 7-8% for conservative hybrid, and 6-7% for debt funds. Always use the direct-plan expense ratio (0.05-1%); avoid regular plans which charge 1-2% extra annually that compounds against you over decades.
The result is in nominal rupees. To convert to today's purchasing power, divide by (1 + inflation)^years. A ₹2 crore corpus in 25 years buys roughly what ₹46 lakh buys today at 6% inflation. For retirement planning, always model both nominal and real numbers - the inflation calculator on this site is the easiest way to switch between them.
Lump-sum component: 5,00,000 × 1.12^20 ≈ ₹48.23 lakh. SIP component: ₹15,000 × FV formula at 20 years ≈ ₹1.50 crore. Combined ≈ ₹1.98 crore. Total invested: ₹5 lakh + ₹36 lakh = ₹41 lakh. Gains: ₹1.57 crore - nearly 4× the contributions, the magic of long-horizon compounding.
Lump-sum: 2,00,000 × 1.11^15 ≈ ₹9.56 lakh. SIP: ₹25,000 × FV formula ≈ ₹1.07 crore. Combined ≈ ₹1.17 crore. Total invested: ₹47 lakh. Gains: ₹70 lakh. Compare a 15-year horizon with a 25-year one: same monthly SIP run for 25 years instead of 15 produces nearly 3× the corpus.
Large-cap equity 10-12% over long periods. Mid-cap 12-14% with more volatility. Debt 6-8%. Hybrid 9-10%. These are historical averages; future returns can be higher or lower.
Lumpsum wins in clearly rising markets because money is in for longer. SIP wins in flat or volatile markets because rupee-cost averaging helps. Combining both reduces timing risk.
No. Mutual funds carry market risk. The calculator assumes a constant annual return for planning. Real returns vary year to year, sometimes dramatically.
The expected return you enter should be net of expense ratio. Direct mutual fund plans have 0.5-1% expense ratios; regular plans 1-2%. Subtract that from the gross category return.
Equity LTCG (held >1 year) is taxed at 12.5% above ₹1.25 lakh per year. Debt funds are taxed at slab rate. The calculator shows pre-tax FV - net out tax based on your asset and slab.
SIP calculator handles only monthly contributions. This handles both - useful when you have a starting amount and plan to keep adding monthly.
Indian financial products - home loans, fixed deposits, mutual funds, NPS, insurance - each carry their own quirks: monthly reducing balance vs flat-rate interest, quarterly vs monthly compounding, indexation on capital gains, the choice between the old and new tax regime. We design every finance calculator to use the formula that an Indian bank, AMC, or insurer would actually use, and to surface the assumptions in plain English so you can audit the result against your own statement.
Use this calculator alongside the EMI, SIP and inflation calculators to plan your money holistically. A standalone EMI number means little until you compare it with your in-hand salary, your existing debt-to-income ratio, and the impact of inflation on the real cost of the loan. The related-tool grid below makes it one click to chain these analyses together.
The Mutual Fund Return Calculator is part of the Finance suite on Online Calculator Tools, alongside 6 related calculators. All tools share the same UI patterns, the same privacy-first rendering (nothing is sent to a server), and the same commitment to showing the formula and assumptions behind every result.
