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Calculate mutual fund returns with our advanced 6-in-1 calculator. Features SIP with step-up, Lumpsum, SWP for retirement, STP for gradual equity exposure, investment comparison, and goal-based planning. Get accurate projections with multi-currency support and detailed year-wise breakdowns.
Disclaimer: This calculator provides estimates for educational purposes only. Actual mutual fund returns may vary based on market conditions, fund performance, and other factors. Past performance does not guarantee future results. Please consult a SEBI-registered financial advisor before making investment decisions.
Total Investment
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Total Returns
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Final Amount
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Return Percentage
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• SIP helps in rupee cost averaging and reduces market timing risk
• Step-up SIP can significantly boost your returns over time
• Longer investment periods benefit more from compounding
A mutual fund returns calculator is a comprehensive financial tool that helps you estimate the future value of your mutual fund investments. It supports multiple investment strategies including SIP (Systematic Investment Plan), Lumpsum, SWP (Systematic Withdrawal Plan), and STP (Systematic Transfer Plan).
Our advanced calculator offers 6 specialized modes to handle every investment scenario - from basic SIP calculations to complex goal planning and scenario comparisons. Whether you're planning for retirement, comparing investment options, or setting financial goals, our calculator provides accurate insights with multi-currency support.
Calculate monthly SIP returns with step-up feature for increasing investments
Calculate returns on one-time investments with compound interest
Plan regular withdrawals for retirement or passive income
Transfer systematically from debt to equity funds
Compare multiple investment scenarios side-by-side
Calculate required SIP to achieve your financial goals
Choose from SIP, Lumpsum, SWP, STP, Compare, or Goal Planning mode based on your investment strategy.
Input your monthly SIP amount, lumpsum investment, expected return rate, and investment period.
For SIP mode, set annual step-up percentage to increase your investment amount yearly.
Get instant calculations showing total investment, returns, final amount, and year-wise breakdown.
4-6% p.a.
Very low risk, high liquidity
6-9% p.a.
Low risk, stable returns
9-12% p.a.
Moderate risk, balanced approach
12-15% p.a.
High risk, high returns
Unlike competitors offering single-mode calculators, we provide SIP, Lumpsum, SWP, STP, Compare & Goal planning in one tool.
Most calculators lack step-up SIP. We let you increase your SIP annually to match your growing income.
Calculate in INR, USD, EUR, GBP, AUD, CAD - perfect for NRIs and international investors.
Year-wise breakdown table shows exactly how your investment grows each year - not just final amount.
Compare multiple investment strategies side-by-side to make informed decisions.
Set your target amount and we'll calculate the exact monthly SIP needed to reach your goal.
Our calculator uses industry-standard formulas. For official mutual fund data, regulations, and investment guidance, refer to these authoritative sources:
Official regulatory authority for mutual funds in India. Provides investor protection guidelines, fund regulations, and complaint redressal mechanisms.
Visit SEBI Official Website →Official industry body representing all SEBI-registered mutual funds. Access real-time NAV data, fund performance metrics, and investor education resources.
Visit AMFI Official Website →Leading independent mutual fund research platform in India. Provides unbiased fund ratings, performance analysis, and portfolio tracking tools.
Visit Value Research →Internationally recognized investment research firm. Offers comprehensive mutual fund ratings, risk analysis, and portfolio insights based on global standards.
Visit Morningstar India →Note: Always verify mutual fund information from official AMC websites and consult SEBI-registered investment advisors for personalized financial advice. Our calculator is designed to help you make informed decisions, not replace professional guidance.