Mutual Fund Calculator

A mutual fund calculator projects the future value of an investment in a mutual fund scheme. You feed it three numbers - the amount you plan to put in, the rate of return you expect, and the duration you plan to stay invested - and it tells you the expected corpus at the end of the period.

The Sapphire calculator handles both SIP (Systematic Investment Plan - monthly contributions) and Lumpsum (one-time) modes from the same screen, so you can A/B test the two strategies with identical assumptions.

• SIP wins on discipline: automated monthly investments take emotion (and procrastination) out of the equation.
• SIP wins on volatility: rupee-cost averaging means you buy more units when prices fall, fewer when they rise.
• Lumpsum wins on long horizons in rising markets: all the money is invested from day one, compounding for the full period.
• Lumpsum loses on bad timing: a one-shot deployment right before a correction can take years to recover.

The SIP mode uses the standard annuity-due future-value formula:

FV = P × [((1 + r)ⁿ − 1) / r] × (1 + r)

where P is your monthly investment, r is the monthly rate, and n is the number of months. The Lumpsum mode collapses to plain compound interest:

FV = P × (1 + R)^t

• Returns are not guaranteed: the rate you enter is an assumption. Past performance does not guarantee future results.
• Taxation: equity mutual funds attract 10% LTCG (above ₹1 lakh) and 15% STCG. Debt funds are taxed at slab rate.
• Expense ratio: the projection ignores TER. Net of fees, your actual returns will be modestly lower.
• Inflation: the displayed corpus is in nominal rupees. Use the Inflation calculator to see purchasing power.