Introducing the Mutual Fund Returns Calculator — SIP or Lumpsum, One Tool

Mutual funds are how most people build long-term wealth — but the link between what you invest and what you end up with is non-intuitive, thanks to compounding. The new Mutual Fund Returns Calculator turns that abstraction into a concrete number, for both monthly SIPs and one-time lumpsums.

What it does

• Two modes in one — project a monthly SIP or a one-time lumpsum.
• Full picture — maturity value, invested amount, estimated returns, and absolute return %.
• Effective CAGR — the true annual rate, the fair way to compare investments.
• Growth chart — value versus invested, drawn inline, no library.
• Adjustable assumptions — amount, return, and time period.

Why it matters

A SIP averages your purchase price over time; a lumpsum puts everything to work immediately. Knowing the projected outcome of each helps you choose and plan. Our guide to mutual fund returns explains SIP vs lumpsum and what CAGR really means, and the dedicated SIP calculator goes deeper on monthly investing.

Free, and private

The Mutual Fund Returns Calculator is free and runs entirely in your browser — nothing you enter is uploaded or stored. A future Pro tier is planned for saved scenarios, step-up SIPs, and branded reports, but the core calculator stays free forever.