Mutual Fund Growth Calculator 🧾

Project the **future value (corpus)** of your mutual fund investments, accounting for both lump sum and Systematic Investment Plan (SIP) contributions.

Investment Parameters

Initial Lump Sum Investment ($):

Enter 0 if only making SIP contributions.

Monthly SIP Contribution ($):

Enter 0 if only making a lump sum.

Expected Annual Return (%):

Investment Duration (Years):

Current NAV / Initial Purchase Price ($):

Required for Unit calculation.

Mutual Fund Growth Theory

Mutual fund investments grow via two compounding mechanisms: the lump sum component (Future Value of a Single Sum) and the SIP component (Future Value of an Annuity Due). The final corpus is the sum of these two results.

Core Formulas

1. Lump Sum (FV) = P × (1 + i)ⁿ
   (Compound Interest Formula, P = Lump Sum, n = Total Months)

2. SIP (FV) = PMT × [ ((1 + i)ⁿ - 1) / i ] × (1 + i)
   (Future Value of Annuity Due, PMT = Monthly SIP)
   
3. Total Corpus = Lump Sum (FV) + SIP (FV)
   
Where:
i = Monthly interest rate (Annual Rate / 12)

**Note:** This calculator assumes monthly compounding and monthly unit purchases. For SIPs, it calculates the future value of the recurring cash flows, not the actual units purchased due to Net Asset Value (NAV) fluctuations.

Mutual Fund Growth Calculator 🧾

Investment Parameters

Corpus Projection

Total Amount Invested (Principal)

Estimated Wealth Gained (Returns)

Projected Total Units Held

Mutual Fund Growth Theory

Core Formulas