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Mutual Fund Calculators

Six free calculators to help you plan SIPs, estimate returns, set goals, and understand the power of compounding — all built for Indian investors.

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SIP CalculatorMonthly investment growth
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Lump SumOne-time investment returns
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SWP CalculatorSystematic withdrawal plan
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Step-Up SIPIncreasing SIP each year
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Goal PlannerHow much SIP do you need?
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CAGR CalculatorCompound annual growth rate
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SIP Calculator

Calculate how your monthly SIP investments grow over time with the power of compounding. See your total invested amount, estimated gains, and inflation-adjusted real value.

Total Invested
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Est. Gains
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Total Value
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Inflation-Adj. Value
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Results are indicative only. Actual returns may vary. Mutual fund investments are subject to market risks.

How SIP Compounding Works
M = P × {[(1 + r)ⁿ − 1] / r} × (1 + r)
Where P = Monthly SIP, r = Monthly rate (annual rate ÷ 12), n = Total months
1
Every month, your SIP amount is invested and immediately starts earning returns.
2
Each subsequent month's return is calculated on the growing corpus, not just your latest investment.
3
Over long periods, the compounding effect becomes exponential — the last few years contribute more than the first many years combined.
4
The inflation-adjusted value shows what your corpus will be worth in today's purchasing power.
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Lump Sum Calculator

Estimate the future value of a one-time lump sum investment in a mutual fund. Useful for planning bonuses, windfalls, or inheritance investments.

Total Invested
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Total Value
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Inflation-Adj. Value
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Results are indicative only. Actual returns may vary. Mutual fund investments are subject to market risks.

How Lump Sum Compounding Works
A = P × (1 + r)ⁿ
Where P = Principal, r = Annual return rate, n = Number of years
1
Your one-time investment begins growing from Day 1 at the chosen annual rate.
2
Each year, returns are earned on both the original principal and all accumulated gains — this is compound interest.
3
Lump sum investing works best when invested at market lows — timing has a larger impact than with SIPs.
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SWP Calculator

Systematic Withdrawal Plan — calculate how long your corpus will last with regular monthly withdrawals, while the remaining amount continues to grow.

Total Withdrawn
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Remaining Balance
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Corpus Sustains?
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Over (Months)
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Results are indicative only. Actual returns may vary. Mutual fund investments are subject to market risks.

How SWP Works
1
Each month, your chosen amount is redeemed from the fund and credited to your bank account.
2
The remaining corpus continues to grow at the expected rate of return simultaneously.
3
If your withdrawal rate is lower than your return rate, the corpus never depletes — it may even grow.
4
SWP from a Growth Plan is often more tax-efficient than the IDCW (Dividend) option for regular income needs.
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Step-Up SIP Calculator

Model the impact of increasing your SIP amount each year — as your income grows, your investments grow proportionally. See how much extra corpus this generates compared to a flat SIP.

Total Invested
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Est. Gains
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Total Value
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Final Monthly SIP
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Results are indicative only. Actual returns may vary. Mutual fund investments are subject to market risks.

Why Step-Up SIP Is Powerful
1
Each year, your SIP amount increases by the step-up percentage — e.g., ₹10,000 becomes ₹11,000 at 10% step-up.
2
The higher invested amounts in later years compound for fewer years but are larger, creating a powerful wealth multiplication effect.
3
A 10% annual step-up typically generates 40–60% more corpus over 20 years compared to a flat SIP at the same starting amount.
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Goal Planner Calculator

Work backwards from your financial goal — enter what you need, when you need it, and how much you already have. Get the exact monthly SIP or lump sum required.

Required Monthly SIP
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Required Lump Sum
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Total Investment Needed
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Results are indicative only. Actual returns may vary. Mutual fund investments are subject to market risks.

How to Use the Goal Planner
1
Enter your goal amount — for example, ₹1 Crore for retirement or ₹50L for a child's education.
2
Enter how many years you have to reach that goal.
3
If you already have some savings, enter it in Existing Savings — the calculator adjusts the required SIP accordingly.
4
The result shows both the monthly SIP route and the one-time lump sum required to hit your goal.
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CAGR Calculator

Calculate the Compound Annual Growth Rate of any investment — or calculate what a future value will be at a given CAGR. Essential for comparing fund performance.

CAGR
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Total Gain / Loss
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Results are indicative only. Actual returns may vary. Mutual fund investments are subject to market risks.

What is CAGR and Why It Matters
CAGR = (Final Value / Initial Value)^(1/n) − 1
Where n = Number of years
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CAGR represents the smooth annual growth rate that would take an investment from its starting value to its ending value.
2
It ignores year-to-year volatility — a fund that gained 40% one year and lost 20% the next would have a CAGR, not an average return.
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Always compare funds using CAGR over the same time period and against the same benchmark for a fair comparison.

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