Mutual Fund Calculator
Calculate mutual fund returns with SIP, lumpsum, and goal-based investment planning
Total Investment
₹6,00,000
SIP investment
Maturity Amount
₹11,61,695
After 10 years
Total Gains
₹5,61,695
93.6% absolute return
Effective Return
6.8%
Annualized return
Goal-Based Planning
Investment Breakdown
Tax Analysis
Note: Tax calculation assumes equity mutual funds with LTCG tax of 10% on gains above ₹1 lakh per year.
Fund Type Recommendations
Large Cap Equity Funds
Stable returns, lower volatility. Good for conservative investors.
Mid Cap / Flexi Cap Funds
Higher growth potential with moderate risk.
Hybrid Funds
Balanced allocation between equity and debt.
Investment Tips
• Diversify: Invest across different fund categories
• Review Regularly: Monitor performance annually
• Stay Invested: Don't time the market, time in market matters
• Increase SIP: Use step-up SIP or increase with salary hikes
• Tax Planning: Use ELSS funds for Section 80C benefits
Risk Assessment
• Market-linked investments are subject to market risks
• Past performance doesn't guarantee future returns
• Consult financial advisor for personalized advice
Year-by-Year Investment Projections
| Year | SIP Investment | Total Investment | Returns | Portfolio Value | Cumulative Investment |
|---|---|---|---|---|---|
| 1 | ₹60,000 | ₹60,000 | ₹4,047 | ₹64,047 | ₹60,000 |
| 2 | ₹60,000 | ₹60,000 | ₹12,169 | ₹1,36,216 | ₹1,20,000 |
| 3 | ₹60,000 | ₹60,000 | ₹21,322 | ₹2,17,538 | ₹1,80,000 |
| 4 | ₹60,000 | ₹60,000 | ₹31,636 | ₹3,09,174 | ₹2,40,000 |
| 5 | ₹60,000 | ₹60,000 | ₹43,258 | ₹4,12,432 | ₹3,00,000 |
| 6 | ₹60,000 | ₹60,000 | ₹56,353 | ₹5,28,785 | ₹3,60,000 |
| 7 | ₹60,000 | ₹60,000 | ₹71,110 | ₹6,59,895 | ₹4,20,000 |
| 8 | ₹60,000 | ₹60,000 | ₹87,738 | ₹8,07,633 | ₹4,80,000 |
| 9 | ₹60,000 | ₹60,000 | ₹1,06,475 | ₹9,74,108 | ₹5,40,000 |
| 10 | ₹60,000 | ₹60,000 | ₹1,27,588 | ₹11,61,695 | ₹6,00,000 |
Understanding Mutual Fund Investments
SIP vs Lumpsum
- • SIP: Systematic Investment Plan - invest fixed amount monthly
- • Lumpsum: One-time large investment
- • SIP provides rupee cost averaging benefits
- • Lumpsum better when markets are at lows
- • Combination of both provides balanced approach
Types of Mutual Funds
- • Equity Funds: Higher risk, higher potential returns
- • Debt Funds: Lower risk, stable returns
- • Hybrid Funds: Balanced allocation
- • ELSS: Tax-saving equity funds (3-year lock-in)
- • Index Funds: Passive investment, low cost
Benefits of Mutual Funds
- • Professional fund management
- • Diversification across securities
- • Liquidity (can redeem anytime)
- • Low minimum investment (₹500 SIP)
- • Tax efficiency (especially equity funds)
Investment Strategy
- • Start early to benefit from compounding
- • Invest regularly through SIP
- • Diversify across fund categories
- • Review portfolio annually
- • Stay invested for long-term goals