Mutual Fund Returns Calculator – SIP & Lumpsum

📈 Mutual Fund Returns Calculator

Estimate the future value of your mutual fund investments by combining Systematic Investment Plans (SIP) with one-time Lumpsum deposits.

Investment Profile

One-Time Initial Investment ₹1,00,000

₹0₹50 L

₹

Monthly SIP Amount ₹10,000

₹0₹5 L

₹

Expected Annual Return Rate 12.0%

1%30%

Time Period 10 Years

1 Yr40 Yrs

Total Expected Value

₹26,42,860

Total Amount Invested

₹13,00,000

Estimated Wealth Gained

₹13,42,860

51%

Total Returns

Invested

Wealth Gained

Wealth Growth Trajectory

Mutual Funds: SIP vs Lumpsum

Systematic Investment Plan (SIP)

A SIP allows you to invest a fixed amount regularly (usually monthly) into a mutual fund. This builds strong discipline and takes advantage of Rupee Cost Averaging, meaning you buy more units when the market is down and fewer when it is up, smoothing out market volatility.

Lumpsum Investment

A lumpsum is a one-time bulk investment. This strategy works best if you have a large chunk of idle cash (like a bonus or property sale) and the market valuation is relatively fair or low. Lumpsum investments benefit heavily from the power of compounding right from day one.

Combining Both

Many investors use a hybrid approach: they start with an initial Lumpsum deposit to kickstart their portfolio, and then continue adding to it every month via SIP. This calculator lets you simulate the exact exponential growth of combining both methods simultaneously.