Financial investments are a considerable commitment. When you invest in a financial product, you set aside money that you could be spending now for a future goal like your dream house or retirement. While there are many investment options, mutual funds are a wise choice to meet your goals. Use this mutual fund return calculator to find the estimated returns on your mutual fund SIP or lump sum investments.

Find the future value of your mutual fund investment

  • Monthly SIP
  • Lumpsum

Five thousand only

  • Yearly
  • Quarterly
  • Monthly


  • Aggressive
  • Conservative
  • Balanced
  • Custom

This might give you 12% returns

What you get:

Total invested  Interest earned

Total invested Gains

What you get:

Add ₹ more to earn ₹ extra See how

  • ₹5,000
  • ₹10000
  • ₹15000
  • ₹20000
  • 5 Yr
  • 7 Yr
  • 9 Yr
  • 11 Yr

Assumed inflation @

  • 4%
  • 6%
  • 8%
  • Total Invested ₹3 Lacs
  • Gains ₹1.12 Lacs
  • Future value ₹4.12 Lacs

Top funds to fulfill your investment strategy

Top funds to fulfill your investment strategy

Find the future value of your mutual fund investment

  • Monthly SIP
  • Lumpsum

Fifty thousand only

  • Yearly
  • Quarterly
  • Monthly


  • Aggressive
  • Conservative
  • Balanced
  • Custom

This might give you 12% returns

What you get:

Total invested  Interest earned

Total invested Gains

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What you get:

Add ₹ more to earn ₹ extra See how

  • ₹50k
  • ₹1 Lac
  • ₹1.5 Lacs
  • ₹2 Lacs
  • 5 Yr
  • 7 Yr
  • 9 Yr
  • 11 Yr

Adjust target amount for Inflation?

  • Total invested ₹50,000
  • Gains ₹38,117
  • Future value ₹88,118

Top funds to fulfill your investment strategy

Top funds to fulfill your investment strategy

Types of Mutual Funds to Invest

Based on the asset classes and equity exposure, mutual funds in India are broadly classified into equity funds, debt funds and balanced or hybrid funds.
Choose to invest in any of these funds as per your needs and risk appetite.

Instrument Ideal Investment Horizon Risk
Equity Mutual Funds At least 5 years Moderately High to High Know more
Debt Mutual Funds Up to 3 years Low to Moderate Know more
Hybrid Mutual Funds At least 2 years Moderate to Moderately High Know more

Best Tax-Saving Mutual Funds 2021

Here is a list of the top-performing, best mutual funds to invest for tax-saving in 2021 based on their 5-year annualized returns:

All you need to know about Mutual Fund calculators

Before delving into mutual fund returns, let us first get an understanding of what a mutual fund is.

A mutual fund is a financial instrument that invests a pool of money collected from different investors into diverse assets like stocks, bonds, and other securities to earn a return. Professional financial organizations called Asset Management Companies (AMCs) undertake mutual fund investments on behalf of investors. AMCs appoint professional fund managers to invest the pooled money into equities, bonds, money market instruments, and other securities. Depending upon the performance of these securities, mutual funds generate returns, which are then allocated to investors in proportion to their investments.

In India, the market regulator, Securities and Exchange Board of India (SEBI), regulates the mutual fund industry, and hence, all mutual funds.

Mutual funds can be broadly categorized into equity mutual funds, debt funds, and balanced or hybrid funds. Equity mutual funds invest a majority of the corpus in company stocks. Debt funds hold a majority of investments in fixed income and government securities to generate relatively stable returns when compared to equity funds. Balanced or hybrid funds invest in a mix of both equities and fixed income securities.

Mutual funds generate returns in two major ways:

  • Income earned from stock dividends or interest from bonds
  • Sale of securities at a price higher than the purchase price, which leads to capital gains

Mutual funds are wise investment options because they are naturally diversified instruments. This provides risk and returns balance. They are also professionally managed, which can save you the trouble as an investor to keep track of the market. Investments are flexible since you can invest both in lumpsum as well as periodically via Systematic Investment Plans (SIPs). Moreover, mutual funds have historically generated high returns in the long term.

However, mutual funds are market-linked instruments. While it is not possible to compute the exact return from your investment, you can estimate the returns and compute an expected value. This is where a mutual fund calculator can help.

A mutual fund calculator is an online tool that can help you estimate your returns from a mutual fund investment. It is a simulation that can help you estimate the maturity value depending upon the amount you invest, the expected rate of return, and the duration of the investment.

Using a mutual fund calculator, you can understand whether your investment will meet your financial goal. Most mutual fund calculators will let you calculate the estimated maturity value of both lump sum and SIP investments. All you have to do is choose the type of investment (lumpsum or SIP), enter the amount of investment, the expected rate of return, duration, and frequency of investment (in the case of SIP investments). Then, you simply hit the calculate button to get the estimation within seconds.

ETMONEY’s mutual fund calculator makes mutual fund returns calculation extremely simple. You can use the lump sum MF calculator or the SIP MF calculator to estimate your returns and track your investments. You can also modify the inputs to understand how your returns may change depending upon different factors.

Lump Sum Calculator

Go to the Mutual Fund Lumpsum Calculator tool.

  • Lumpsum Amount

    Enter the desired lumpsum amount in the “I want to invest” box

  • Investment Time Period

    Enter the period of investment in the duration input box

  • Rate of return

    Select your investment strategy or enter the custom expected rate of return

Then click the “Calculate” button to get an estimation of the future value of your investment.

For instance, if you want to invest Rs. 50,000 in a mutual fund for 7 years and expect an average return of 12% per annum, you can calculate your return value using ETMONEY’s lumpsum calculator by entering the details. You will get:

  • Returns of Rs. 60,534
  • Total maturity value of Rs. 1,10,534

SIP Calculator

ETMONEY’s mutual fund SIP calculator gives you two options as an investor: you can estimate the future value of your investment if you know the fixed monthly investment value or you can estimate the monthly investment amount required to meet a predetermined goal.

If you have a monthly investment amount in mind and want to calculate the estimated future value at maturity, then:

  • Monthly Investment

    Enter the amount you want to invest every month

  • Investment Time Period

    Enter the investment period in the duration box

  • Rate of return

    Choose your investment strategy or a custom return percentage

The calculator will show a comprehensive breakdown of your total invested amount, gains, and future value.

Alternatively, if you have a goal amount in mind and want to calculate the monthly investments you need to make to reach that goal, then:

  • Go to ETMONEY’s SIP calculator.
  • Select the “Set a target amount” option.
  • Enter your financial goal amount.
  • Enter the time horizon or expected time to achieve the goal.
  • Choose your investment strategy.
  • You will get a suggested monthly amount that you can invest to meet your goal.

ETMONEY’s calculator will also suggest relevant funds that you can invest in to fulfill your investment goals!

Lumpsum Investment SIP Investment

The formula used for lump sum investment maturity calculation is: FV = PV (1 + r/100)^n

FV = future value of investment
PV = present value of investment
r = Estimated rate of return
n = Duration of the investment

For example, assume a lump sum investment of Rs. 50,000 in a mutual fund for 10 years. With an estimated rate of return of 12% p.a., you can calculate the returns in the following way:
FV = 50,000 (1+12/100)^10
= Rs 1,55,292

The SIP formula used to calculate the maturity value is:
M = A [ (1+i)^n-1 ] * (1+i)/i

M is the amount you get at maturity
A is the SIP investment amount
i is the compounded rate of return
n is the duration of investment (in months)
r is the expected rate of return

For instance, assume you want to invest Rs 4,000 per month for a duration of 2 years at an expected compounded rate of return of 12%. Using the formula, you should get:
M = 4000*[(1+0.01) ^24 - 1] * (1+0.01)/0.01) = Rs. 1,08,973

Instead of using these complicated formulae for mutual fund calculation, it is much simpler to use a mutual fund calculator.

A mutual fund return calculator can be beneficial to an investor in many ways:

  • It can be used for prudent financial planning.
  • It can be used to compare different mutual fund investments.
  • You can understand the returns on a lumpsum investment versus a SIP investment and choose a route that meets your individual financial goals.
  • If you have a financial goal in mind and want to start saving towards it, you can use ETMONEY’s goal calculator to estimate monthly investment value.
  • ETMONEY’s calculator gives you a breakdown of the investment amount, the final maturity value, and the wealth generated. This will help you understand how your investment will grow over the investment horizon.

How to invest in mutual funds?

If you want to start investing in mutual funds, ETMONEY’s online portal simplifies the entire process.

Explore now

  • Complete online KYC

    Simply fill in your name, birth date, upload ID and address proof to get KYC done instantly on ETMONEY.

  • Select a fund of choice

    Choose the mutual fund you want to invest in and the lumpsum or SIP investment amount.

  • Enter investment details

    Enter the amount of investment, the duration of investment, and the frequency (only for SIP investments).

  • Start investing

    Enter your bank details. If you want to start an SIP, set up a bank mandate to enable auto-debit for SIP.

    Voila! You are now set to invest in mutual funds!

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Benefits of ETMONEY Mutual Fund Calculator

Using a mutual fund investment calculator to estimate your maturity value is one of the easiest ways to find out whether your investment will help you reach your goal.
ETMONEY’s MF calculator is easy, simple, and quick to use.

  • lumpsum-vs-sip-investment

    Lumpsum vs SIP investment

    ETMONEY Mutual Fund Calculator gives you the option to calculate both lump sum and SIP investment values

  • estimate-maturity-or-investment-amount

    Estimate Maturity or Investment Amount

    You can use the mutual fund calculator in two ways: to estimate the final maturity value of monthly investments or to estimate your regular investment for a final goal.
    Estimations will be computed within seconds.

  • compare-investment-returns

    Compare investment returns

    You can tweak the values such as investment amount, investment strategy (that determines rate of return), and duration to compare returns for different scenarios.

  • easy-investment-planning

    Easy investment planning

    ETMONEY’s MF calculator can be accessed both on a computer and on your phone. The MF calculator can help you plan your investments with ease from the comfort of your home or while on-the-go

Benefit of Mutual Funds Investment

Mutual funds are naturally-diversified investments that will give you exposure to different asset classes and industries.
You can invest in mutual funds depending on your capacity: either in a lumpsum or through SIPs.
It is incredibly easy to invest in mutual funds via various online methods. ETMONEY’s app can simplify mutual fund investments for you.

  • risk-appetite

    Risk appetite

    You can choose to invest in mutual funds depending upon your risk appetite and investment goal. For instance, investors with a healthy risk appetite looking for wealth creation can invest in equity mutual funds while those with a lower risk appetite can choose debt mutual funds.

  • liquid-investments

    Liquid investments

    Mutual funds are liquid investments. This means that you can sell your investment whenever you want, except in the case of close-ended mutual funds or tax-saver funds that come with a 3-year lock-in period.

  • market-linked

    Market-linked returns

    Mutual fund investment returns are market-linked. They have the potential to generate high returns. Historically, even debt mutual funds have outperformed other fixed-income investment avenues like bank deposits and public provident funds.

  • expert-fund-managers

    Expert management & flexibility

    You can benefit from the expert management of mutual fund managers and the flexibility in tenure. Mutual fund investments can be made for short-term, medium-term, and long-term goals. However, mutual funds perform the best over a long-term horizon.

Ways of Mutual Fund Investment

As already mentioned above, there are two ways that you can invest in mutual funds. If you have a sizeable chunk of money to invest in one go, you can choose the lump sum route. If you want to invest regularly over a period of time, you can use the SIP route.

Lumpsum investment SIP investment
A lumpsum mutual fund investment is when you invest a bulk amount in a mutual fund all in one go. Investing in mutual funds through systematic investment plans or the SIP route is perfect for those who want to invest regularly over a period of time.
Any excess money you have can be used to make a lump sum mutual fund purchase. Through SIP, you can invest in mutual funds in fixed intervals.
The best time to make a lum psum investment is during a market downturn. SIP investments involve lower risk because the investment is spread over a period of time. There is no need to time the market.
This way, when markets revive, you will make a greater gain on your investment. Moreover, the benefit of rupee cost averaging and compounding will help you grow a sizeable corpus over time.

Earn more with direct mutual funds

With direct mutual fund investment, you can earn superior returns than regular mutual funds and traditional fixed-income products like PPF and FDs. Here are top investment ideas you can explore to start investing in mutual funds based on your needs.

Tax Saving ELSS Funds

    • Shortest Lock-in period of 3 years.
    • Diversified portfolio reduces risk with better returns than PPF
    • Eligible for tax deduction under Section 80C.

Multi Cap Funds

    • Funds with flexibilty to invest in stocks across market-caps
    • Ideal way to invest in Equity Funds

Top Index Funds

    • Less risky than other mutual funds
    • Mirrors the returns of SENSEX, NIFTY, etc.
    • Ideal for long term over 5 years or more

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