Mutual Fund Calculator · SIP / Lumpsum / Goal
Mutual Fund Calculator
Three modes in one tool. SIP (with optional step-up), Lumpsum (one-time investment), or Solve for Goal (target amount → required SIP).
₹
0 = flat SIP
% per year
India equity MF: 10–14%
% p.a.
years
Methodology. SIP: M = P × [((1+i)^n – 1)/i] × (1+i). With step-up, each year’s SIP = P × (1+step)^y. Lumpsum: FV = P × (1+r)^t. Goal: FG = Goal × (1+inflation)^t, then solve SIP needed. Actual mutual fund returns vary by scheme and expense ratio (0.5–2% drag). Equity LTCG above ₹1.25L/year at 12.5%. Plan with 10–12% for realistic long-term equity MFs.