Mutual Fund Calculator

What is a mutual fund calculator?

A mutual fund calculator estimates the future value of your mutual fund portfolio. It combines a regular SIP (monthly investment) with an optional one-time lumpsum — matching the way most investors actually build their portfolios. Rather than running a SIP mutual fund calculator and a lumpsum mutual fund calculator separately and adding them up, this tool handles both at once. The same engine works as an index fund calculator (including an S&P 500 index fund) or a growth stock mutual fund calculator — only the expected return changes.

How to use this calculator

• Monthly SIP amount — the fixed amount you invest each month. Set to zero if you are only doing a lumpsum.
• One-time lumpsum — any initial or additional amount invested upfront. Set to zero for SIP-only.
• Expected return — the assumed annual return for your fund category.
• Time period — your investment horizon in years.

The calculator shows the combined maturity value of both investment modes, plus a breakdown of how much came from SIP vs. lumpsum growth.

Works with any fund house

The maths behind every fund-house tool is identical — the SBI mutual fund calculator, HDFC mutual fund calculator, ICICI mutual fund calculator, LIC mutual fund calculator and Groww mutual fund calculator all compound your SIP and lumpsum the same way. This calculator works for any of them: to model a specific scheme such as SBI Contra, SBI Small Cap or the SBI Magnum Children’s Benefit Fund, just enter that fund’s expected return. Because it is currency-neutral it serves as a mutual fund calculator for India and the USA alike, and the same approach covers a liquid fund calculator (use a lower return) or estimating a chit fund calculator contribution.

How the calculation works

A worked example

5,000/month SIP + 50,000 lumpsum, 12% p.a., 10 years:

Frequently asked questions