- Invested amount
- Estimated returns
- Invested amount
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- Estimated returns
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- Total value
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- Your money multiplies by
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Figures are estimates for planning only, not investment or tax advice.
This mutual fund calculator handles both ways of investing: a monthly SIP or a one-time lumpsum. Switch the investment type, set your expected rate, and see the projected value along with the annualised return.
What drives the result
Three things: how much you invest, for how long, and the rate the fund delivers. Of the three, time is the one you control that matters most — the last five years of a twenty-year SIP typically add more value than the first ten.
Where the expense ratio fits
The rate you enter should be the return after the fund’s expense ratio, because published NAV returns are already net of it. A regular plan costing 1% more than a direct plan can cost you 15–20% of the final corpus over two decades.
Frequently asked questions
Which is better, SIP or lumpsum?
A SIP suits money that arrives monthly and smooths out entry timing. A lumpsum suits money you already hold and a long horizon.
Does the calculator include exit load?
No. Most equity funds charge about 1% if you redeem within a year; there is usually no load after that.
What is a realistic return?
10–12% for diversified equity over 10+ years, 12–14% for mid and small caps with far more volatility, 6–8% for debt.