Mutual Fund Calculator

Calculate mutual fund returns with SIP or lumpsum investments. Analyze the impact of expense ratios, exit loads, and step-up SIPs on your investment growth.

Important Notes

• Returns are not guaranteed and depend on market performance
• Expense ratio reduces your effective returns annually
• Exit load applies if you redeem before specified period (usually 1 year)
• Step-up SIP helps beat inflation and increase wealth accumulation

Investment Details

Monthly SIP Amount (₹)

Annual Step-up (%)

Increase SIP amount yearly to beat inflation

Investment Period (Years)

Expected Annual Return (%)

Equity: 10-15% | Debt: 6-8% | Hybrid: 8-12%

Expense Ratio (%)

Regular: 1.5-2.5% | Direct: 0.5-1.5%

Exit Load (%)

Usually 1% if redeemed within 1 year