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Mutual Fund Calculator
Project the growth of a mutual fund investment with regular contributions and see how the expense ratio reduces your return.
Mutual funds grow through two habits: investing a lump sum and letting it compound, or investing monthly through a SIP and buying through both rising and falling markets. This calculator projects either route at the return you expect.
How to use this calculator
- Choose lump sum or monthly SIP and enter the amount.
- Add the expected yearly return and the number of years.
- Press calculate to see the total invested, the gains and the final value.
What the projection can and cannot promise
The calculator draws a smooth line; real funds arrive in jagged ones, with flat and falling years inside the good average. Use the result to size a goal and a monthly amount, not as a promised outcome, and review the actual fund's costs and history separately.
Frequently asked questions
What return should I assume for equity funds?
Long-run figures often used for planning are around 10 to 12% for equity funds in high-growth markets and less for debt funds, but nothing is guaranteed. A cautious assumption makes a sturdier plan.
Is SIP better than a lump sum?
A lump sum invested early usually ends ahead in rising markets; a SIP spreads entry risk and fits monthly income. Most regular investors use SIPs because salary is monthly too.
What is expense ratio and does it matter here?
It is the fund's yearly charge, taken from returns. Over long periods a 1% difference in yearly cost compounds into a large difference in final value.