Mutual Fund Calculator — SIP & Lump Sum Returns
Enter a one-time lump sum, a monthly SIP (systematic investment plan) amount, the expected annual return rate, and the investment horizon to estimate the final corpus. The calculator separates the total invested principal from the estimated returns and plots monthly growth.
%
years
Total fund value at end of investment period
148,023
TotalAmount invested
47.3%
Estimated returns
52.7%
- 1
Monthly rate
r = 12% ÷ 12 ÷ 100 = 0.01 - 2
Number of months
N = 10 × 12 = 120 - 3
Lump sum future value
10,000 × (1 + 0.01)ⁿ = 10,000 × 3.3004 = 33,003.87 - 4
SIP future value
500 × (3.3004 − 1) ÷ 0.01 = 115,019.34End-of-period annuity: each monthly instalment earns compound returns for its remaining duration. - 5
Total estimated corpus
33,003.87 + 115,019.34 = 148,023.21
How does this calculator work?
Total corpus = Lump sum × (1 + r/12)^N + SIP × [(1 + r/12)^N − 1] ÷ (r/12), where N = months and r = annual rate. A ₹10,000 lump sum plus ₹500/month at 12% p.a. over 10 years grows to roughly ₹148,000 from ₹70,000 invested — about ₹78,000 in estimated returns.
Formula
How this is calculated
A mutual fund grows by reinvesting returns each period. For a lump sum P at annual return r, the future value after N months is P × (1 + r/12)^N, where r/12 is the monthly equivalent of the annual rate — this assumes monthly compounding, which matches how most fund NAVs are reported.
A Systematic Investment Plan (SIP) adds a fixed amount S every month. Each instalment earns returns for the remaining duration. The total SIP future value uses the end-of-period annuity formula: S × [(1 + r/12)^N − 1] ÷ (r/12). When r = 0 this simplifies to S × N (no growth, just the sum of contributions).
The return rate used here is the expected CAGR (Compounded Annual Growth Rate) — a forward-looking assumption, not a guaranteed figure. Indian diversified equity funds have historically delivered 12–15% CAGR over 10+ year periods (data through 2024); balanced funds typically 9–11%; debt funds 6–8%. Past performance does not guarantee future results, and actual returns fluctuate year to year. Inflation is not deducted — to assess real returns, subtract your target inflation rate from the expected return.
Frequently asked questions
A lump sum means investing a large amount all at once — you are fully exposed to market timing risk. A SIP spreads investment across months, benefiting from rupee-cost averaging (you buy more units when prices fall and fewer when they rise). For long periods SIP generally reduces timing risk; for falling markets a lump sum can outperform if markets recover.
For planning purposes, a conservative 10–12% is commonly used for diversified equity mutual funds over 10+ year horizons in India; 8–9% for balanced or hybrid funds; 6–7% for debt funds. For international equity markets, 7–10% is a common assumption. These are estimates — actual returns vary. Use a lower rate (e.g. 8%) for conservative scenarios and a higher rate (e.g. 14%) for optimistic ones.
No — it assumes the entire return flows to you. Direct mutual funds typically have lower expense ratios (0.5–1% p.a.) than regular/distributor plans (1.5–2.5%). To adjust for costs, simply reduce your expected return by the fund's total expense ratio. For example, if you expect 12% market return with a 1% expense ratio, use 11% in this calculator.
Also known as
TG we-Calculate Editorial Team. (2026). Mutual Fund Calculator — SIP & Lump Sum Returns [Online calculator]. TG we-Calculate. https://we-calculate.com/calculator/mutual-fund-calculator
TG we-Calculate Editorial Team. "Mutual Fund Calculator — SIP & Lump Sum Returns." TG we-Calculate. 2026. https://we-calculate.com/calculator/mutual-fund-calculator.
TG we-Calculate Editorial Team, "Mutual Fund Calculator — SIP & Lump Sum Returns," TG we-Calculate, 2026. [Online]. Available: https://we-calculate.com/calculator/mutual-fund-calculator
@misc{wecalculate_mutual_fund_calculator, title = {Mutual Fund Calculator — SIP & Lump Sum Returns}, author = {{TG we-Calculate Editorial Team}}, howpublished = {\url{https://we-calculate.com/calculator/mutual-fund-calculator}}, year = {2026}, note = {TG we-Calculate} }
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