Build wealth · Free educational tool
Mutual Fund Wealth & Goal Calculator
Estimate SIP, lump-sum or combined wealth, test step-up contributions and calculate the monthly investment required for a future goal.
Built for Indian investorsInstant resultsNo sign-up requiredAssumptions remain editable
Step-up, inflation and tax
Your illustrative result
Planning estimate—not a tax return calculation
After 6% inflation
Where the money goes
Money you put in
₹48L
Illustrative growth
₹95.7L
Estimated tax
₹12.3L
After-tax value
₹1.3Cr
Value in today’s money
₹41L
In simple words: the after-tax number is what remains after the selected tax estimate; the last line shows what that future amount may feel like after rising prices.
Lower, chosen and higher return examples
₹1,05,40,834 after estimated tax
₹1,31,37,961 after estimated tax
₹1,64,95,322 after estimated tax
These are examples, not predictions. Market returns do not arrive smoothly.
How contribution and growth build over time
Estimated valueYour contributions
Why compounding feels slow at first
Most of the value usually comes from your own contributions.
Estimated growth begins contributing more meaningfully.
Time can make growth a larger part of the illustration.
What increasing your SIP can change
₹48,00,000 contributed
₹1,37,46,000 contributed
Mostly created by investing more—not by a higher assumed return
Step-up SIP, simply: har saal contribution badhta hai. The result rises because you invested more and that extra money also received time to grow.
Return and time sensitivity
Assumed return10 years15 years20 years
8%₹36L₹67.5L₹1.1Cr
10%₹40L₹79.7L₹1.4Cr
12%₹44.4L₹94.3L₹1.8Cr
Small changes in long-term assumptions can create large differences in projected outcomes.
Tax estimate used
Long-term listed-equity estimate: 12.5% above the entered ₹1.25 lakh-style exemption balance. Surcharge, rebates, losses, set-off, grandfathering and transaction-specific exemptions are not modelled.
Reviewed 18 August 2026 · Capital-gains guide ↗ · Specified debt funds ↗ · Slabs and cess ↗How is this calculated?
The calculator grows contributions month by month. “After tax” then applies a planning estimate to the total gain. For SIPs, actual tax can differ because every instalment has its own purchase date and holding period. Goal mode solves for a monthly contribution using the same illustration.
Calculations are illustrative and intended for educational purposes only. Actual investment returns, inflation, taxation, costs and financial outcomes may differ materially. Nothing on this page constitutes investment, tax, legal or insurance advice. If you discuss an output on WhatsApp, do not share PAN, OTP, bank-account or transaction details. Read full disclaimer.
How to use this result
Understand the drivers—not only the final number.
The tool grows each monthly or lump-sum contribution using the return you enter. A step-up raises the SIP once a year. It then estimates tax according to whether you select an equity-oriented or specified debt-oriented fund, and shows the remaining value after inflation.
- Treat the output as a range, not a promise.
- Read the result in order: money invested, growth, estimated tax, value after tax and purchasing power.
- Test whether investing more or investing longer changes the result more reliably than assuming a higher return.
Learn more about this decision
Continue with the relevant framework.
Calculator FAQs
Short answers before you rely on the result.
Are mutual fund calculator returns guaranteed?
No. The calculator applies a constant assumed return for illustration; real market returns vary and can include losses.
What return should I assume?
Use multiple scenarios rather than one confident number. The suitable range depends on asset class, valuation, time horizon and the risk being taken.
How does SIP compounding work?
Each contribution has a different time to compound. Early contributions usually have more time; later contributions have less.
What is a step-up SIP?
It means increasing the SIP periodically—usually once a year. For example, a ₹20,000 SIP becomes ₹22,000 after a 10% step-up.
Why will actual returns differ?
Markets do not deliver the same return each month. Costs, tax, cash-flow dates and the sequence of gains and losses all matter.