Mutual Fund Calculators — SIP, Lumpsum, Goal & SWP

Explore how compounding works with SIP, lumpsum, goal and withdrawal illustrations. Every figure below is an illustration, not a prediction.

Illustrative only — not a forecast or promise of returns. Amounts are rounded off to the nearest ₹100; illustrative future values to the nearest ₹10,000 (below ₹1 crore) and to the nearest ₹1 lakh (₹1 crore and above). Return inputs are capped at 12% p.a., in line with AMFI guidelines that restrict calculator illustrations to a maximum assumed return of 13%; the rate you select is an assumption, not the return of any scheme. These calculators use a constant assumed rate that you choose. Actual mutual fund returns vary and can be negative. Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns.

SIP Calculator

Illustrative only — not a forecast or promise of returns

Monthly SIP Amount (₹)

Investment Period (years)

Assumed Annual Return (%)

Nominal Rate (monthly compounding)—

Total Invested—

Illustrative Gain—

Illustrative Future Value—

InvestedIllustrative value

Year-wise illustration at the assumed constant rate. Actual outcomes will differ. The assumed rate is an average used for illustration only — actual mutual fund returns are not linear and may be negative in some periods; no growth path is assured. Amounts are rounded off to the nearest ₹100; illustrative future values to the nearest ₹10,000 (below ₹1 crore) and to the nearest ₹1 lakh (₹1 crore and above).

Lumpsum Calculator

Illustrative only — not a forecast or promise of returns

One-Time Investment (₹)

Investment Period (years)

Assumed Annual Return (%)

Rate (annual compounding)—

Amount Invested—

Illustrative Gain—

Illustrative Future Value—

Illustrative value by year

Compounded annually at the assumed constant rate. Actual outcomes will differ. The assumed rate is an average used for illustration only — actual mutual fund returns are not linear and may be negative in some periods; no growth path is assured. Amounts are rounded off to the nearest ₹100; illustrative future values to the nearest ₹10,000 (below ₹1 crore) and to the nearest ₹1 lakh (₹1 crore and above).

Goal Planner

Illustrative only — not a forecast or promise of returns

Target Corpus (₹)

Years to Goal

Assumed Annual Return (%)

Nominal Rate (monthly compounding)—

Required Monthly SIP—

or One-Time Lumpsum Today—

Total via SIP Route—

Cumulative SIP investedIllustrative value

Shows the SIP route growing toward your target at the assumed constant rate. The assumed rate is an average used for illustration only — actual mutual fund returns are not linear and may be negative in some periods; no growth path is assured. Amounts are rounded off to the nearest ₹100; illustrative future values to the nearest ₹10,000 (below ₹1 crore) and to the nearest ₹1 lakh (₹1 crore and above).

SWP Calculator

Illustrative only — not a forecast or promise of returns

Starting Corpus (₹)

Monthly Withdrawal (₹)

Assumed Annual Return (%)

Check Balance After (years)

Nominal Rate (monthly compounding)—

Corpus Lasts—

Illustrative Balance After 15 yrs—

Total Withdrawn by Then—

Illustrative year-end balance

Monthly simulation: growth applied, then withdrawal. Actual outcomes will differ. The assumed rate is an average used for illustration only — actual mutual fund returns are not linear and may be negative in some periods; no growth path is assured. Amounts are rounded off to the nearest ₹100; illustrative future values to the nearest ₹10,000 (below ₹1 crore) and to the nearest ₹1 lakh (₹1 crore and above).

Note: the illustrations above are pre-tax. To understand how capital gains on mutual funds are taxed, see our education guide — Taxation of Mutual Funds in India.