Free Mutual Fund Returns Calculator
See what your investment could grow to. Choose a monthly SIP, a step-up SIP or a one-time lumpsum, set the return you expect, and read the future value, the returns, and a year-by-year growth chart. Everything runs in your browser.
Invest a fixed amount every month.
₹6,00,000 invested, ₹5,61,695 returns
- Invested
- ₹6,00,000
- Est. returns
- ₹5,61,695
- Total value
- ₹11,61,695
How the amount invested and the returns build up, year by year.
An estimate for planning, not a promise. It assumes a steady return every year and runs entirely on your own device.
Estimate returns in four steps.
Pick how you invest, set your numbers, and the future value updates as you move the sliders. Turn on inflation to see it in today’s money.
Pick how you invest
Choose a monthly SIP, a step-up SIP that rises each year, or a one-time lumpsum. Each keeps the same clear result.
Enter your numbers
Set the amount, the return you expect each year, and how long you will stay invested. Move the sliders and watch the result change.
Read the result
See what you put in, what it could grow to, and the returns on top, with a breakdown and a year-by-year chart.
Adjust for inflation
Turn on inflation to see the value in today’s money, so a big future figure is easier to make sense of.
A few things do most of the work.
The final figure comes down to a handful of levers. Understanding them helps you set realistic numbers and read the result well.
The power of compounding
Your returns start earning returns of their own. The longer it runs, the more the growth curve bends upward, which is why the last few years add the most.
Time in the market
Years matter more than almost anything else. Starting earlier, even with a smaller amount, usually beats starting later with more.
The return you assume
A higher expected return lifts the final figure sharply over long periods. Use a realistic rate, since no fund guarantees a number.
SIP or lumpsum
A SIP spreads your buying across ups and downs and builds a habit. A lumpsum puts the whole amount to work at once. Each suits a different situation.
Stepping up your SIP
Raising your monthly amount a little each year, as your income grows, can lift the final corpus a lot without much extra effort now.
Inflation and real returns
Prices rise over time, so a corpus years away buys less than the same figure today. The real return is what is left after inflation.
Know the kind of fund you are modelling.
The return you assume should fit the fund. Here is a plain look at the main categories and the risk that comes with each.
Equity funds
Invest mainly in shares, aiming for growth over the long run. Historically the strongest returns, with the biggest ups and downs. Suited to goals many years away.
Debt funds
Lend to governments and companies for interest. Steadier and less volatile than equity, useful for shorter goals or the stable part of a portfolio.
Hybrid funds
Blend equity and debt in one fund to balance growth and stability. A middle path for medium-term goals or a first step into investing.
Index funds & ETFs
Track a market index at low cost instead of a manager picking stocks. Simple, cheap and broad, they mirror the market they follow.
Building the app people plan their money in?
A calculator like this is the easy part. The real work is the investment platform behind it: portfolios, goals, KYC, payments, statements and the models that keep every number right. That is the fintech and financial software we build, from a single calculator to a full wealth product, engineered for accuracy and trust.
Something else in mind? See what we build.
Common mutual fund return questions.
It is a free online tool that estimates what a mutual fund investment could grow to. You enter how you invest, a monthly SIP, a step-up SIP or a lumpsum, the return you expect each year, and how long you stay invested. It shows the amount you put in, the estimated returns and the total value, with a year-by-year chart.
Yes on both. It is free, there is no sign-up, and it runs entirely in your browser. Nothing you type is sent anywhere or saved, so your numbers stay on your own device.
A SIP is a series of monthly investments that each compound until the end. The tool uses the standard formula, FV = P × ([(1 + i)^n − 1] ÷ i) × (1 + i), where P is the monthly amount, i is the monthly rate (annual rate ÷ 12) and n is the number of months. It assumes each instalment is invested at the start of the month.
A lumpsum is a single investment that compounds for the whole period. The tool uses FV = P × (1 + r)^n, where P is the amount, r is the annual return and n is the number of years. The returns are simply the future value minus the amount you invested.
A step-up SIP is a SIP where you raise the monthly amount by a set percentage every year, usually in step with a rising income. Because the extra amount also compounds, even a small annual step-up can lift the final corpus meaningfully over a long period. Set the step-up percentage and the tool works it out year by year.
That is your call, and it depends on the funds you choose. Over long periods equity funds have historically returned around the low teens in percentage terms, debt funds much less, but none of this is promised and past performance does not predict the future. It is wiser to use a conservative rate and treat the result as a rough guide, not a target.
It shows the value of your future corpus in today’s money. A large figure years from now buys less than it seems because prices rise. The tool divides the future value by inflation compounded over the period, so you can see the real, spendable worth of what you are building.
No. Mutual funds are subject to market risk and their value goes up and down. This tool assumes a steady return every year, which never happens in real life, so treat the result as an estimate for planning, not a promise. Read the scheme documents and consider your own risk before you invest.
Neither wins every time. A SIP spreads your buying across market highs and lows, builds a habit, and suits a regular income. A lumpsum puts the full amount to work at once, which helps when you already have a sum to invest and markets rise from there. Many people use both, a lumpsum when they can and a SIP every month.
No. The result is a gross estimate before costs and tax. In practice a fund’s expense ratio, any exit load, and capital gains tax when you redeem will reduce what you actually receive. To be safe, assume your real return is a little lower than the headline figure, and check the current tax rules that apply to you.
Work backwards by trying different amounts until the total value matches your goal. Raise the monthly SIP, the step-up, the return you assume or the years, and watch the total until it lands where you want. Because compounding rewards time, stretching the years is often gentler on your monthly budget than raising the amount.
Yes. It defaults to the Indian rupee, since SIP investing is the common case, but you can switch to US dollars, pounds, euros or dirhams. The maths is the same, only the formatting changes.
Important: mutual funds are subject to market risk and their value goes up and down. This tool gives an estimate that assumes the same return every year, which does not happen in practice, and it does not account for the expense ratio, exit load or capital gains tax that reduce real returns. It is for planning and learning, not investment advice. Read the scheme documents and consider your own situation, or speak to a qualified adviser, before you invest.
Ready when you are
Let's build something exceptional.
Tell us about your business, your stack, and the problem you are trying to solve. We respond with a clear next step usually a 30-minute discovery call, no fluff.