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How the Mutual Fund Calculator works
This calculator estimates the future value of a mutual fund investment made either as a one-time lump sum or as a monthly SIP (Systematic Investment Plan). It assumes a constant expected annual return; real mutual fund returns are market-linked and will move up and down over time.
Formulas used
Lump Sum: A = P × (1 + r)t
SIP: FV = P × [ ((1 + i)n − 1) / i ] × (1 + i)
SIP: FV = P × [ ((1 + i)n − 1) / i ] × (1 + i)
- P = Amount invested (one-time for lump sum, or per month for SIP)
- r = Expected annual return (as a decimal); i = monthly return = r ÷ 12
- t = Years; n = number of monthly instalments = t × 12
Worked examples
Lump sum: ₹1,00,000 invested once at 12% for 10 years grows to 1,00,000 × (1.12)10 ≈ ₹3,10,585 (about ₹2,10,585 of returns).
SIP: ₹10,000 invested every month at 12% for 10 years totals ₹12,00,000 invested and grows to about ₹23,23,391 — roughly ₹11.2 lakh of returns. Because each SIP instalment compounds for a different length of time, SIPs also smooth out market ups and downs (rupee-cost averaging).
Things to keep in mind
- Mutual fund returns are not guaranteed. The expected-return figure here is only an assumption; actual performance depends on the market and the fund.
- Real returns are net of the fund's expense ratio and any exit load, so the amount you receive can be a little lower than a gross projection.
- Gains are subject to capital gains tax that varies by fund type (equity vs debt) and holding period, so check the current tax rules for your fund before redeeming.
Disclaimer: This calculator is provided for general information and illustration purposes only. The maturity values, returns, and projections shown are indicative figures based on the inputs provided and standard mathematical / compounding assumptions — they do not constitute financial advice or guarantee actual future returns. Real returns may differ due to fund performance, market fluctuations, compounding frequencies, applicable interest rates, Tax Deducted at Source (TDS), exit loads, and prevailing statutory regulations. Wealthline Investments does not guarantee the accuracy or completeness of these projections and accepts no liability for decisions made based on them. Investors are advised to consult a qualified financial advisor before investing. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.