Mutual Fund Calculator
Updated July 2026
Switch between lumpsum and SIP to compare approaches on the same expected return. Lumpsum puts the whole amount to work immediately; SIP averages your entry price over time.
Mutual Fund
Frequently Asked Questions
Lumpsum or SIP — which is better?
Lumpsum benefits from more time in the market when you have the capital and markets rise. SIP averages your cost and removes timing pressure. Neither dominates in every market.
How are mutual fund gains taxed?
Equity funds: gains after 12 months are long-term and taxed at the prevailing LTCG rate above the annual exemption. Debt funds follow different rules — check the current position.
What is expense ratio?
The annual fee the fund charges, deducted from returns. Direct plans cost less than regular plans because they carry no distributor commission.