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Mutual Fund Calculator
Project how a mutual fund investment could grow over time, combining a lump-sum deposit with monthly contributions.
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How this calculator works
This calculator projects the future value of a mutual fund investment combining an initial lump sum with regular monthly contributions (a systematic investment plan, or SIP), net of the fund’s annual expense ratio.
The method
The expense ratio is subtracted from the expected gross annual return to get a net return, which is then compounded monthly across the investment period, adding each month’s contribution as it’s made.
This is a planning projection based on assumed constant returns; actual mutual fund performance varies and is never guaranteed. For general education only.
Last reviewed August 2026