Mutual Fund Calculator
Plan Your SIP & Lumpsum Investments with Precision
Mutual Fund Calculator
Plan your investments with SIP & Lumpsum calculations
Fund TypeEquity Fund
Risk LevelHigh
Systematic Investment Plan - Invest regularly
₹
%
years
Common Investment Goals:
Frequently Asked Questions (FAQs)
SIP (Systematic Investment Plan) allows you to invest a fixed amount regularly (monthly/quarterly) in mutual funds. It benefits from rupee cost averaging and compounding.
Returns are calculated using XIRR (Extended Internal Rate of Return) for SIPs and CAGR (Compound Annual Growth Rate) for lumpsum investments, considering the timing and amount of each investment.
Step-up SIP allows you to increase your investment amount periodically (usually annually) by a fixed percentage or amount. This helps in achieving goals faster by increasing investments with income growth.
SIP is better for regular income investors and reduces market timing risk. Lumpsum is suitable when you have a large amount and markets are favorable. For most investors, SIP with step-up is recommended.
Inflation reduces purchasing power. A 12% return with 6% inflation gives only 6% real return. Always consider inflation-adjusted returns for long-term planning.
Equity funds: 15% STCG (under 1 year), 10% LTCG over ₹1 lakh (over 1 year). Debt funds: Taxed as per income slab if held under 3 years, 20% with indexation benefit if held over 3 years.
Mutual Fund Investment Guide
Benefits of SIP:
- ✅ Rupee Cost Averaging - Buy more units when prices are low
- ✅ Disciplined Investing - Automatic monthly investments
- ✅ Power of Compounding - Exponential growth over time
- ✅ Affordable - Start with as low as ₹500 per month
- ✅ Flexibility - Increase, decrease, pause or stop anytime
When to Choose Lumpsum:
- ✅ When you have surplus cash from bonus, inheritance, or savings
- ✅ During market corrections or when valuations are attractive
- ✅ For specific short-term goals (1-3 years)
- ✅ When you're confident about market timing
- ✅ For debt funds with stable returns
⚠️ Important: Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns.
