Mutual fund lump sum calculator
See what your lump sum investment could grow into
A straightforward mutual fund calculator for one-time investments. Enter your amount, expected return and tenure to estimate your maturity value.
Your investment details
The one-time lump sum you plan to invest in the mutual fund.
≈ ₹1 Lakh
Estimated yearly growth rate of the mutual fund, compounded annually.
The number of years you plan to stay invested.
Estimated maturity value
₹3,10,585
≈ ₹3.11 Lakh
Invested amount
₹1,00,000
Estimated returns
₹2,10,585
This mutual fund calculator assumes annual compounding at a constant expected rate of return. Actual returns vary with market performance and are not guaranteed.
How it's calculated
The formula behind this mutual fund calculator
A lump sum mutual fund investment is assumed to compound once a year at your expected annual rate of return: your maturity value equals your investment amount multiplied by (1 + rate/100) raised to the power of the number of years invested. This is the standard compound-growth formula used by most mutual fund investment calculators.
The estimated returns shown are simply your projected maturity value minus the amount you originally invested — the growth generated purely by compounding at your chosen rate over your chosen tenure.
Mutual fund calculator FAQ
Questions about lump sum investing
A mutual fund calculator estimates how a one-time (lump sum) investment can grow over a chosen period, based on an expected annual rate of return. Unlike a SIP calculator, which handles regular monthly contributions, this mutual fund investment calculator projects the compounded growth of a single upfront amount — useful when you're investing a bonus, maturity payout, or savings in one go.
This mf calculator uses standard compound growth: your investment amount grows by your expected annual rate of return, compounded every year, for the number of years you stay invested. The result shows your total invested amount, the estimated returns generated by compounding, and the final maturity value.
A lump sum works well when you have a large amount ready to invest today and want it to compound for a fixed tenure. A SIP works well when you want to invest a fixed amount every month from ongoing income, which also averages out your purchase cost over time. Many investors use both — a lump sum for windfalls, and a SIP for regular monthly investment — so it's worth checking both this mutual fund calculator and our SIP calculator.
No. The expected annual rate of return you enter is an assumption for planning purposes only. Actual mutual fund investment returns depend on market conditions, the specific scheme, and fund manager performance, and can be higher or lower than what you project here.