Plan your mutual fund investments with our comprehensive calculators. Calculate SIP returns, SWP withdrawals, lumpsum growth, and compare top-performing mutual funds in India. Make informed investment decisions with real-time calculations.
💵 SIP Calculator
💸 SWP Calculator
💰 Lumpsum Calculator
📈 Step-Up SIP
🎯 Goal Planner
💵 SIP Calculator
Monthly Investment
₹
₹500₹5L
Expected Return (p.a.)
%
1%30%
Time Period
Years
1 Yr40 Yrs
Year
Invested
Returns
Total Value
💰 Your SIP Returns
₹23,23,391
Total Value after 10 Years
Total Invested
₹12,00,000
Wealth Gained
₹11,23,391
Absolute Returns
93.6%
XIRR (Effective)
12.0%
52%
Invested
Invested ( 52% )
Returns ( 48% )
💸 SWP Calculator
Total Investment
₹
₹1L₹10Cr
Monthly Withdrawal
₹
₹1K₹5L
Expected Return (p.a.)
%
1%20%
Withdrawal Period
Years
1 Yr40 Yrs
Year
Withdrawn
Returns Earned
Remaining Balance
💸 Your SWP Summary
₹60,00,000
Total Withdrawn over 20 Years
Initial Investment
₹50,00,000
Remaining Balance
₹18,45,623
Total Returns Earned
₹28,45,623
Corpus Lasts
20+ Years
68%
Withdrawn
Withdrawn ( 68% )
Remaining ( 32% )
💰 Lumpsum Calculator
Investment Amount
₹
₹10K₹10Cr
Expected Return (p.a.)
%
1%30%
Time Period
Years
1 Yr40 Yrs
Year
Opening Balance
Returns
Closing Balance
💰 Your Lumpsum Returns
₹15,52,926
Total Value after 10 Years
Amount Invested
₹5,00,000
Wealth Gained
₹10,52,926
Absolute Returns
210.6%
CAGR
12.0%
32%
Invested
Invested ( 32% )
Returns ( 68% )
📈 Step-Up SIP Calculator
Starting Monthly SIP
₹
₹500₹5L
Annual Step-Up
%
0%50%
Expected Return (p.a.)
%
1%30%
Time Period
Years
1 Yr40 Yrs
Year
Monthly SIP
Year Invested
Total Value
📈 Step-Up SIP Returns
₹75,00,000
Total Value after 15 Years
Total Invested
₹38,12,700
Wealth Gained
₹36,87,300
Without Step-Up
₹50,45,760
Extra from Step-Up
₹24,54,240
🎯 Goal-Based SIP Planner
Target Amount
₹
₹1L₹50Cr
Time to Achieve Goal
Years
1 Yr40 Yrs
Expected Return (p.a.)
%
1%30%
Inflation Rate
%
0%15%
🎯 Your Goal Plan
₹20,000
Required Monthly SIP
Target Amount
₹1,00,00,000
Inflation-Adjusted Target
₹2,39,65,582
Total You'll Invest
₹36,00,000
Wealth Created by Returns
₹64,00,000
📊 SIP vs FD vs PPF vs Gold — 10-Year Comparison
How ₹10,000/month grows across different investment options over 10 years (based on historical average returns):
Investment
Monthly
Total Invested
Expected Return
Maturity Value
Wealth Gained
🏆 Top Performing Mutual Funds in India (2025-26)
Compare returns, AUM, expense ratios, and ratings of top-performing mutual funds across categories. Past performance is not indicative of future results.
All
🔹 Large Cap
🔺 Mid Cap
🔻 Small Cap
🔀 Flexi Cap
💰 ELSS (Tax Saver)
📈 Index Fund
💳 Debt Fund
📊 SIP Return Comparison — ₹10,000/month
Fund Category
1 Year
3 Years
5 Years
10 Years
Risk Level
Large Cap Equity
₹1,28,400
₹4,47,200
₹8,81,700
₹23,23,391
Moderate
Mid Cap Equity
₹1,31,500
₹4,78,600
₹9,82,400
₹28,94,200
High
Small Cap Equity
₹1,34,000
₹5,12,800
₹10,89,600
₹35,94,700
Very High
Flexi Cap
₹1,29,800
₹4,58,900
₹9,24,100
₹25,67,800
Moderate-High
ELSS (Tax Saver)
₹1,29,200
₹4,52,400
₹9,08,600
₹24,78,500
Moderate-High
Index Fund (Nifty 50)
₹1,27,600
₹4,38,200
₹8,56,400
₹21,89,600
Moderate
Balanced/Hybrid
₹1,24,800
₹4,18,600
₹7,98,200
₹19,12,400
Low-Moderate
Debt Fund
₹1,21,200
₹3,96,800
₹7,38,400
₹16,38,800
Low
💡 Smart Investment Tips
📈
Start Early, Stay Consistent
Starting a ₹5,000 SIP at age 25 vs 35 (at 12% returns) gives you ₹1.76 Cr vs ₹50 L by age 55. Time in the market beats timing the market.
💰
Use Step-Up SIP
Increase your SIP by 10% every year with salary hikes. A ₹10,000 SIP with 10% annual step-up grows 2.5x more than a flat SIP over 20 years.
🎯
Goal-Based Investing
Assign each SIP to a specific goal (retirement, child education, house). This keeps you disciplined and helps choose the right fund category and tenure.
💳
SWP for Regular Income
Instead of FD interest, use SWP from a debt or hybrid fund. You get tax-efficient regular income while your corpus continues to grow.
📊
Diversify Across Categories
Don't put all money in one fund. Split across large cap (stability), mid cap (growth), and debt (safety). A 60:30:10 split works for most investors.
💰
Tax-Saving with ELSS
ELSS funds offer tax deduction up to ₹1.5L under Section 80C with only 3-year lock-in. They've historically given 12-15% CAGR, beating PPF and FD.
❓ Frequently Asked Questions
What is SIP and how does it work? ▼
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly (usually monthly) in mutual funds. It works on the principle of rupee cost averaging — when markets are low, you buy more units; when high, you buy fewer. Over time, this averages out your purchase cost. SIP also benefits from compounding — your returns earn returns. For example, a ₹10,000 monthly SIP at 12% for 10 years grows to ₹23.2 lakhs, while you only invested ₹12 lakhs.
What is SWP and when should I use it? ▼
SWP (Systematic Withdrawal Plan) is the opposite of SIP. You invest a lump sum in a mutual fund and withdraw a fixed amount regularly. It's ideal for retirees who need regular income, or anyone who wants to create a monthly cash flow from their investments. The remaining corpus continues to earn returns. SWP from equity funds held for 1+ year gets long-term capital gains tax benefit (10% above ₹1.25L), making it more tax-efficient than FD interest.
SIP vs Lumpsum — which is better? ▼
In a rising market, lumpsum gives better returns since your entire amount starts compounding immediately. In a volatile or falling market, SIP wins because of rupee cost averaging. Historically, for periods of 7+ years, both give similar returns. Practical advice: If you have a large sum, invest 50% as lumpsum and spread the rest over 6-12 months via STP (Systematic Transfer Plan). For regular income (salary), SIP is the natural choice.
How are mutual fund returns taxed in India? ▼
Equity Funds (held >1 year): LTCG taxed at 12.5% above ₹1.25L exemption. Equity Funds (held <1 year): STCG taxed at 20%. Debt Funds: All gains taxed at your income tax slab rate (no LTCG benefit since April 2023). ELSS: Same as equity funds, but with 3-year lock-in and ₹1.5L deduction under Section 80C. SWP Tax: Only the capital gains portion of each withdrawal is taxed, not the principal — making SWP more tax-efficient than FD interest.
What is the ideal SIP amount for beginners? ▼
You can start a SIP with as little as ₹500/month. However, for meaningful wealth creation, aim to invest 20-30% of your monthly income. A good starting point: ₹5,000-10,000/month in a diversified equity fund. As your income grows, increase your SIP by 10-15% annually (step-up SIP). For a ₹1 Crore goal in 15 years at 12% returns, you need approximately ₹20,000/month SIP.
What is the difference between Direct and Regular mutual fund plans? ▼
Direct plans are bought directly from the AMC (fund house) without any distributor/agent. They have a lower expense ratio (0.3-1% less) which means higher returns over time. Regular plans are bought through distributors/agents who earn a commission, resulting in a higher expense ratio. Over 20 years, the 0.5-1% difference in expense ratio can result in 15-25% more wealth in direct plans. Use platforms like Groww, Zerodha Coin, or AMC websites for direct plans.