Mutual Fund Calculator

Estimate your future wealth by projecting SIP, Lumpsum, and Step-Up contributions with advanced adjustments for inflation and taxes.

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1% 30%
Yrs
1 Yr 40 Yrs

Advanced Projections (Optional)

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0% 50%
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0% 15%
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0% 40%
Estimated Total Maturity Value
$0
Your total expected corpus at the end of the investment period.
Total Amount Invested
$0
Sum of all contributions
Estimated Wealth Gain
$0
Returns generated
Inflation Adjusted Value
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Purchasing power in today's terms
Post-Tax Value (LTCG)
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Maturity after capital gains tax

Comparative Return Analyzer

Compare your Mutual Fund projection with a safe alternative like a Fixed Deposit (FD) or Bonds to see the opportunity cost.

Wealth Breakdown

Wealth Accumulation Over Time

Detailed Growth Schedule

Review your year-by-year mutual fund breakdown mapping out invested amounts versus wealth compounding.

Saved Scenarios

Store your custom mutual fund configurations securely in your local browser environment to compare later.

Scenario Label Inputs Rate & Term Total Invested Maturity Value Actions
No saved scenarios in this browser. Configure your parameters above and click "Save Scenario".

1. Mutual Funds vs. Traditional Saving

Unlike keeping money in a low-interest bank account or a Fixed Deposit (FD), investing in mutual funds allows you to harness the power of compounding and stock market growth. While standard bonds may offer 5-7% annually, an index mutual fund historically aims for much higher annualized returns, combating the silent wealth killer: inflation.

CHECK OUT OUR COMPOUND INTEREST CALCULATOR

2. Understanding SIP, Lumpsum, and Step-Up

You can invest in mutual funds two main ways:

3. Adjusting for Inflation and Taxes

The "Maturity Value" looks great, but to know what that money can actually buy in the future, you must calculate the Inflation Adjusted Value. Furthermore, governments levy a Long-Term Capital Gains (LTCG) tax on your profits when you withdraw. Using our advanced calculator ensures you see a realistic, post-tax, post-inflation picture of your wealth.

Frequently Asked Questions

Why should I use a Step-Up SIP?

A Step-Up SIP assumes that your income increases every year. By committing to increase your monthly investment by just 5-10% annually, you can exponentially grow your final corpus without feeling a massive burden on your current monthly budget.

How is inflation calculated?

Inflation erodes the purchasing power of money. We calculate the inflation-adjusted value by discounting your final maturity corpus backward over the investment period using the annual inflation rate you provide. It tells you what your future money is worth in "today's terms".

Are Mutual Fund returns guaranteed?

No. Mutual funds are subject to market risks, and the "Expected Return" is strictly an estimate based on historical averages. It is important to diversify and consult with a financial advisor.