Free Mutual Fund Calculator 2026 to calculate SIP and lump sum mutual fund returns with accurate wealth growth projections and compound interest.
Calculate your mutual fund investment returns with SIP and lump sum options. Visualize your wealth growth and achieve your financial goals with smart investing.
Amount you want to invest every month
One-time investment amount (if any)
Expected annual rate of return (typically 10-15% for equity funds)
How long you want to invest
Investment Formula
SIP: FV = P × ((1 + r)^n - 1) / r × (1 + r)
Lump Sum: FV = P × (1 + r)^n
Combine both for maximum wealth accumulation
Enter your investment details
Fill in the form to see your mutual fund investment projections
The calculator uses compound interest formulas to compute maturity values for both SIP and lump sum investments.
SIP Future Value = P × (((1 + r)^n - 1) / r) × (1 + r)
Lump Sum Future Value = P × (1 + r)^n
Total Maturity Value = SIP FV + Lump Sum FV
Where:
P = Investment Amount
r = Monthly Return Rate (Annual Rate / 12)
n = Total Months (Years × 12)
Total Investment = (SIP × months) + Lump Sum
Estimated Returns = Maturity Value - Total Investment
A mutual fund pools money from multiple investors to invest in diversified portfolios like stocks, bonds, or other securities. Fund managers manage investments on behalf of investors.
SIP reduces volatility through rupee-cost averaging and suits regular income earners. Lump sum works well when markets are low or you have a large amount available.
Equity funds typically provide 10-15% annually over the long term. Debt funds offer 6-8%, while hybrid funds offer 8-12% depending on market conditions.
Yes, most mutual funds allow SIPs starting from ₹500 per month, making them accessible to all investors.
Equity funds: LTCG above ₹1 lakh taxed at 10%, STCG taxed at 15%. Debt funds: gains taxed as per income tax slab.
SIP averages the purchase cost, reducing risk. Lump sum returns depend heavily on market timing and can give higher returns in rising markets.
For equity funds, invest for at least 5-7 years to handle volatility. Longer duration increases compound growth.
Yes, except for ELSS funds with a 3-year lock-in. Some funds may charge an exit load if redeemed early.