Mutual Fund Returns Calculator
Calculate combined mutual fund maturity value when investing both a monthly SIP and a one-time lumpsum amount.
How the Mutual Fund Returns Calculator works
Calculate combined mutual fund maturity value when investing both a monthly SIP and a one-time lumpsum amount. Below is the exact mathematical or algorithmic model used by this investment utility, along with its key operating assumptions.
Total Maturity = SIP Future Value + Lumpsum Future Value.Step-by-step workflow
- Set your starting capital, rate, or tenure in the Mutual Fund Returns Calculator controls (or pick a quick INR benchmark preset).
- The calculation engine applies Total Maturity = SIP Future Value + Lumpsum Future Value. on every change and separates principal from compounded gains or interest.
- Inspect the visual chart breakdown and adjust sliders to stress-test lower returns, higher inflation, or extra prepayments.
Worked example & key advantages
Combining a ₹1,00,000 upfront lumpsum with a ₹10,000 monthly SIP at 12% for 10 years compounds both buckets simultaneously.
Why use this MF Returns tool
- Transparent compounding and amortization math (MF Returns) with Indian Lakh and Crore formatting.
- Side-by-side visual charts showing how tenure, rate resets, or step-ups change lifetime wealth.
- 100% browser-local execution—your loan, investment, and tax figures are never uploaded or stored on a server.
Important Assumptions & Scope
- Constant annualized return compounded monthly for SIP and annually for lumpsum.
Frequently Asked Questions — MF Returns
Clear answers to common questions about methodology, edge cases, and privacy.
Can I combine an existing mutual fund portfolio with a new monthly SIP?
Yes. Enter your current mutual fund value as the initial lumpsum and your ongoing monthly contribution as the SIP.
Does the Mutual Fund Returns Calculator send my financial or salary data to a server?
No. All calculations inside the Mutual Fund Returns Calculator run 100% locally in your browser using deterministic TypeScript formulas. Your income, loan, or investment figures are never uploaded, stored, or shared.
How can I share or bookmark a scenario in the MF Returns?
Click '☆ Save to Workspace' in the header to pin the MF Returns to your local browser dashboard, or copy the page URL to reference this utility anytime.