Mutual Fund Calculator
Project the future value of a mutual-fund investment that combines an upfront lumpsum with an ongoing monthly SIP. Common pattern: bonus + monthly contribution.
🇮🇳All amounts in ₹ INR · India tax law · FY 2025–26
Inputs
Total invested
₹10,00,000
Estimated gains
₹20,70,237
Future value
₹30,70,237
Combined Mutual Fund Projection
This calculator combines two cashflows that show up in most real plans: an opening lumpsum (annual bonus, sale of an asset, maturing FD) and a monthly SIP that runs alongside. It uses the standard SIP and lumpsum compound formulas and sums the future values.
Realistic return assumptions for Indian MFs
- Equity diversified (flexi-cap, large-cap): 10–13% over 10y+
- Mid & small cap: 12–16% (higher volatility)
- Hybrid aggressive: 9–11%
- Debt funds: 6–7.5%
- Liquid / overnight: 5.5–6.5%
Yes when you have a lumpsum and a stable monthly income. The lumpsum captures market upside immediately; the SIP averages future entries.
When the lumpsum is large and you fear a market peak. Park in liquid fund, STP to equity over 6–12 months.