Mutual Fund Returns Calculator

Project estimated maturity value and gains for your SIP or lumpsum mutual fund schemes.

Reviewed for Budget 2025 • Last updated 21 June 2026 • by Sandesh D.

Projection Parameters

Investment Type
Monthly SIP Amount₹10,000
Amount invested every month
₹
Expected Return (% p.a.)12%
Assumed yearly growth rate
%
Time Period (Years)10 Years
Duration of investment
Years

Estimation Summary

Invested Amount (52%)Est. Gains (48%)
Total Invested₹12,00,000
Estimated Gains₹11,23,391
Future Value₹23,23,391
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Calculation Methodology & Rules

The Mutual Fund Returns Calculator helps you project the potential future value of your equity or debt mutual fund investments under both monthly SIP and one-time lumpsum approaches.

1. SIP Return Compounding

If you select SIP Mode, your returns are calculated assuming monthly installments invested at the start of each month. The future value is determined using:

FV = P × [ ( (1 + i)n- 1 ) / i ] × (1 + i)

Where i is the monthly return rate (annual rate / 12 / 100) and n is the total number of months.

2. Lumpsum Return Compounding

If you select Lumpsum Mode, a single payment compounds annually over your chosen tenure:

FV = Principal × (1 + R/100)Years

For detailed rules, formulas, references, and official guidelines, see the complete Ganakam Calculation Methodology.

Frequently Asked Questions

You can estimate mutual fund returns by projecting the future value of your periodic investments (SIP) or a single investment (lumpsum) at an assumed expected annual rate of return over your holding period. Actual mutual fund returns depend on market performance.

SIP returns calculate the growth of regular, periodic payments (usually monthly) which leverage cost averaging. Lumpsum returns calculate the growth of a single, one-time investment compounded over time. SIP is better for regular savings, while lumpsum is useful for deploying windfall cash.

For long-term equity funds, a return rate of 12% to 15% is common, but it is safer to project with 10% to 12% to remain conservative. For debt mutual funds, 6% to 8% is typical.