MutualFundCalculator.
SIP returns, lumpsum growth, NAV averaging & XIRR - everything a serious Indian investor needs.
Loading Fund Engine...
Powered by Real-time NAV Data
Investment Strategies
SIP Averaging
Rupee cost averaging via systematic monthly investments. Lower volatility, compounded discipline.
Lumpsum Entry
Deploy capital at market corrections. Calculate your exact NAV break-even before committing.
Portfolio Rebalance
Optimize equity-debt ratio. Track blended XIRR across multi-scheme holdings in one view.
XIRR Engine
Compute true annualised returns on irregular cashflows. IRR adjusted for real investment dates.
Top AMC Houses
All AMC houses listed are registered with SEBI and regulated by AMFI. AUM data is indicative. Mutual fund investments are subject to market risks - read all scheme-related documents carefully before investing.
The Formula
P = monthly SIP, r = monthly rate, n = total months.U = units purchased, N = NAV at purchase date.Investor Tips
Stay invested for 7+ years to ride full market cycles and maximise compounding.
Increase SIP by 10% every year (step-up SIP) to match salary increments.
ELSS funds give ?1.5L deduction under Sec 80C with only 3-year lock-in.
Compare XIRR - not absolute returns - for accurate scheme performance.
Rebalance portfolio annually: equity spikes over 65% increase risk.
Direct plans deliver 0.5-1.5% higher returns than regular plans over time.
More Optimizers
Explore More
Related Calculators & Tools
Start Investing
Smarter Today.
Use the calculator above to find your ideal fund, then invest directly via your preferred AMC - zero commission.