Mutual Fund Calculator
Project your SIP and lumpsum investment returns.
Formula (SIP)
M = P × [((1+i)^n - 1) / i] × (1+i)
M = Maturity amount
P = Amount invested at regular intervals = ₹ 10,000
n = Number of payments = 10 × 12 = 120
i = Periodic rate of interest = 12% / 12 = 1.0000%
Example Calculation
i = 12% / 12 = 0.010000
n = 120 months
M = ₹ 10,000 × [((1 + 0.0100)^120 - 1) / 0.0100] × (1 + 0.0100)
M = ₹ 23,23,391
Total Invested: ₹ 12,00,000 • Wealth Gained: ₹ 11,23,391
Maturity Value
₹23,23,391
* Rate of interest may differ as per market conditions
What Is a SIP Calculator?
A SIP calculator (Systematic Investment Plan calculator) is a free online tool that estimates the future value of your mutual fund investments made through regular monthly contributions. By entering your monthly SIP amount, expected annual return rate, and investment tenure, the mutual fund SIP calculator instantly shows your projected maturity value, total amount invested, and total wealth gained. Use the MF calculator above to plan your SIP investments for any goal — retirement corpus, child's education, home down payment, or wealth creation.
SIP vs Lumpsum — Which Should You Choose?
| Feature | SIP (Monthly) | Lumpsum (One-time) |
|---|---|---|
| Investment Style | Fixed amount every month | Single large investment |
| Best Suited For | Salaried investors, beginners | Investors with surplus capital |
| Market Timing Risk | Low (rupee cost averaging) | High (depends on entry point) |
| Minimum to Start | As low as ₹500/month | Typically ₹1,000+ |
| Power of Compounding | Builds gradually over time | Works from day one on full amount |
| Ideal For | Long-term wealth creation | Market dips / lumpsum bonuses |
Investment Style
Best Suited For
Market Timing Risk
Minimum to Start
Power of Compounding
Ideal For
Which Investment Mode is Better?
For most retail investors in India, SIP is the preferred route — it removes the need to time the market and builds investing discipline through automation. The Cready mutual fund calculator supports both investment modes to help you plan accordingly.
How Does the Mutual Fund SIP Calculator Work?
Monthly Compounding
The SIP calculator uses the Future Value formula with monthly compounding to project your investment growth over the selected tenure.
Regular Contributions
Each monthly SIP contribution earns returns from the date of investment, with all contributions compounding together over time.
Example: ₹10,000/month at 12% for 10 years
Total Invested: ₹12,00,000 | Wealth Gained: ₹11,23,391 | Maturity Value: ₹23,23,391
Comparison with Savings Account
The same ₹10,000/month in a savings account at 4% p.a. would give approximately ₹14,72,000 — nearly ₹9 lakh less over the same period.
SIP Future Value Formula
The maturity value is calculated using the future value of an annuity formula:
M = Maturity value (total corpus at end of tenure)
P = Monthly SIP investment amount
i = Monthly interest rate (Annual return % ÷ 12 ÷ 100)
n = Total number of months (Years × 12)
Expected Return Rates by Mutual Fund Category
| Feature | Details |
|---|---|
| Large-cap Equity Funds | 10%–13% p.a. — Invests in top 100 companies by market cap, relatively stable returns |
| Mid-cap Equity Funds | 12%–16% p.a. — Invests in mid-sized companies, higher growth potential with moderate risk |
| Small-cap Equity Funds | 14%–18% p.a. — Invests in smaller companies, highest growth potential but also highest volatility |
| Hybrid / Balanced Funds | 9%–12% p.a. — Mix of equity and debt, balanced risk-return profile |
| Debt Funds | 6%–8% p.a. — Invests in bonds and fixed-income securities, low risk and stable returns |
| ELSS (Tax-saving Funds) | 11%–14% p.a. — Equity funds with 3-year lock-in, eligible for Section 80C tax deduction |
Important Disclaimer
Past returns are not a guarantee of future performance. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing.
Frequently Asked Questions
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