Mutual Fund Return Calculator

Forecast mutual fund wealth accumulation for both lump sum investments and monthly SIP plans.

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Finance & Wealth

About the Mutual Fund Return Calculator

Forecast mutual fund wealth accumulation for both lump sum investments and monthly SIP plans.

How the Mutual Fund Return Calculator Works

Choose lump sum or monthly SIP mode, enter your investment amount, return rate, and tenure. The calculator projects total invested principal, wealth gain, and final maturity corpus.

How to use the Mutual Fund Return Calculator

Calculate lump sum and SIP mutual fund growth and future maturity returns. Yuitility keeps the workflow fast and focused, so you can complete the job without creating an account.

1Enter the values for your own situation rather than the defaults.
2Adjust one input at a time and watch which one moves the mutual fund return calculator result most.
3Check the working shown below the result before you rely on the number.

The maths behind the mutual fund return calculator

So you can check the result rather than take it on trust.

The formula

Lump sum: FV = P × (1 + r)ⁿ · SIP: FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i)

r — annual return (decimal), n in years
i — monthly return, n in months

Worked example

The same ₹12,00,000, at an assumed 12% annual return over 10 years, invested two ways.

Lump sum on day one: 12,00,000 × 1.12¹⁰
SIP of ₹10,000/month: 10,000 × [(1.01¹²⁰ − 1) ÷ 0.01] × 1.01

Lump sum ₹37,27,018 vs SIP ₹23,23,391 — a gap of ₹14,03,627 on identical capital and identical returns.

The gap is time in the market, not skill. It is the strongest argument for investing a windfall rather than staggering it — and also why comparing a fund's SIP return against its lump-sum return is comparing two different questions.

Where this calculation usually goes wrong

Expense ratio is not in the headline return

Fund fact sheets quote returns net of expenses, but your own projection at '12%' is a gross assumption. Subtract the expense ratio from your assumed return before projecting.

Tools Related to Mutual Fund Return Calculator

Tools that pair with the mutual fund return calculator in the same task.

SIP Investment Calculator

Forecast your mutual fund SIP wealth growth with expected annual returns over time.

Open the sip investment calculator

CAGR Calculator

Calculate Compound Annual Growth Rate for multi-year investments.

Open the cagr calculator

SWP Calculator

Calculate Systematic Withdrawal Plan monthly income payouts and remaining mutual fund corpus.

Open the swp calculator

EMI Calculator

Calculate monthly loan repayments, total interest, and view a detailed amortization schedule.

Open the emi calculator

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