Mutual Fund Returns Calculator
Calculate returns for lumpsum and SIP investments. Compare both side by side.
Lumpsum Returns
Invested
$100,000
Returns
+$210,585
Total Value
$310,585
Invested (32%)Returns (68%)
SIP Returns
Invested
$600,000
Returns
+$561,695
Total Value
$1,161,695
Invested (52%)Returns (48%)
Side-by-Side Comparison
Total Invested
L: $100,000S: $600,000
Final Value
L: $310,585S: $1,161,695
Wealth Gain
L: +$210,585S: +$561,695
Year-by-Year Growth
| Year | Lumpsum Value | SIP Value |
|---|---|---|
| 1 | $112,000 | $64,047 |
| 2 | $125,440 | $136,216 |
| 3 | $140,493 | $217,538 |
| 4 | $157,352 | $309,174 |
| 5 | $176,234 | $412,432 |
| 6 | $197,382 | $528,785 |
| 7 | $221,068 | $659,895 |
| 8 | $247,596 | $807,633 |
| 9 | $277,308 | $974,108 |
| 10 | $310,585 | $1,161,695 |
Mutual Fund Investment Guide
Lumpsum vs SIP
Lumpsum works best in rising markets. SIP averages out cost via rupee cost averaging, reducing timing risk.
Power of Compounding
Starting early matters more than the amount. $5,000/month for 20 years at 12% grows to over $5 million.
Expense Ratio
Lower expense ratio = higher returns. A 1% difference in expense ratio can mean lakhs over 20 years.
Diversification
Spread investments across large-cap, mid-cap, debt funds. Do not put all eggs in one basket.