Mutual Fund Calculator

Calculate expected returns for SIP and lump-sum mutual fund investments using CAGR.

Savings Plan

1%20%
1 yr40 yrs

Future Value

₹10,66,390

Total Invested

₹7,00,000

Total Returns

₹3,66,390

Wealth Multiplier

InvestedReturns

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Mutual Fund Calculator Formula & How It Works

Lump Sum: FV = P × (1 + CAGR/100)ⁿ | SIP: FV = PMT × [(1 + r)ⁿ − 1] / r × (1 + r)
  • CAGR = Compound Annual Growth Rate of the fund
  • P = Lump sum investment
  • PMT = Monthly SIP amount
  • n = Investment period in years

Mutual fund projections use historical CAGR to estimate future value — actual returns vary. Large-cap equity funds in India have historically returned 10–14% CAGR over 10+ years. SIP (Systematic Investment Plan) benefits from rupee cost averaging by buying more units when NAV is low.

Mutual Fund Calculator FAQs

What is CAGR in mutual funds?

CAGR (Compound Annual Growth Rate) is the annual rate at which a mutual fund investment would have grown from start to end value, assuming compounding. It smooths out year-to-year volatility for a consistent comparison metric.

Is SIP better than lump sum for mutual funds?

SIP removes the risk of investing at the wrong time (market peak) through rupee cost averaging. It is better for regular income earners. Lump sum can outperform SIP if markets rise consistently after investment. For volatile markets, SIP is generally safer.

What is the expense ratio in mutual funds?

The expense ratio is the annual fee charged by the fund as a percentage of assets under management (0.1–2.5%). Even a 1% expense ratio can reduce your 20-year corpus by 15–20%. Choose low-cost index funds when possible.

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