Mutual Fund Lump sum Calculator

This Mutual Fund Lump sum Calculator helps you to calculate profits on your one time investments in mutual funds or stocks based on expected rate of return.

A good rate of return can range between 10% to 12% per year in a good mutual fund over long term of at least 5 years.

Download Lump sum Returns EXCEL Calculator from here

Download our Android App FinCalC to know more details on Lump sum investment

SHOW your Support!

Found this Helpful? DONATE any amount to see more useful Content. Scan below QR code using any UPI App!

fincalc donate

UPI ID: abhilashgupta8149-1@okhdfcbank

Verify that you are “Paying Abhilash Gupta” before making the transaction so that it reaches me. It makes my Day 🙂

Thank you for Donating. Stay Tuned!

A Mutual Fund Lump sum calculator helps you to calculate your profits and maturity amount on your mutual fund Lump sum investment, based on your deposit, expected rate of return and tenure.

ALSO READ: Types of Mutual Funds in India

Table of Contents

What is Mutual Fund Lump sum Calculator?

Lump sum calculator is a calculator that helps you know how much profit you can expect from mutual funds based on your deposit and expected rate of return. This helps you in defining and planning for your goals according to the amount of deposit you can afford to contribute as lump sum investment.

How mutual fund Lump sum Calculator works?

It’s very easy to understand how Lump sum investment works.

You deposit a predefined amount for the tenure that you select and based on the monthly rate of return (derived from expected rate of return), you calculate your Lump sum investment returns. We are not talking about past Lump sum returns here, but future returns.

For example, if expected rate of return is 10% in a year in one of the Best Mutual Funds, let’s say, you deposit Rs. 10,000, our calculation will look like for 1 year:

 = 10% * Rs. 10000 / 100
 = Rs. 1000

So, Rs. 1000 is the profit after 1 year based on expected return.

Also, you can watch below video to understand the calculations in detail:

YouTube player

Watch more Excel Videos Here

Which Mutual fund is Best for 5 Years?

There are many mutual funds that you can invest in. It is important to understand what are the factors you should see while selecting best mutual funds if your goal is for 5 years or more.

Some of the factors include:

  • Expense Ratio: this is the fees taken by AMC (Asset Management Company) in order to manage your funds. This is yearly fees and should be as low as possible while selecting mutual fund
  • AUM: This is Assets under Management, which means, total amount of money being invested by people in the mutual fund. More money being invested by people, means more trust on this mutual fund. But this is not the case always as some already popular AMC tries to sell specific mutual funds to people who are not aware about mutual fund factors to consider while increasing it’s AUM.
  • Past Returns: Although, past returns does not guarantee future returns of a mutual fund, but it is important to check this stat while selecting best mutual fund for SIP for 5 years.
  • Stocks Portfolio: Another important factor to check is the list of stocks present in mutual fund portfolio. Every mutual fund has a fund manager associated to it who selects list of stocks in order to maximize returns on your investments. If you invest in stocks or have idea about stock investing or fundamental analysis, you should definitely see the list of stocks present in mutual fund’s stock portfolio.

Best Mutual Funds for 5 Years:

YouTube player

are mutual fund returns Tax Free?

The returns you get after investing in mutual funds is not tax free.

You have to pay income tax based on whether the mutual funds you invested in are equity mutual funds or debt mutual funds.

In case of equity mutual funds, LTCG or long term capital gains (gains made after 1 year of holding period) are taxed at 10% on profits above Rs. 1 Lac. Whereas, STCG or short term capital gains (gains made before 1 year of holding period) are taxed at 15%.

For other taxation rules on mutual funds, you can watch this video:

YouTube player

SIP vs Lump sum which is better

Best strategy is to invest via combination of both. Start SIP in a regular way, and invest lump sum amount if you have gathered, in order to take advantage of fallen market to buy more mutual fund units, while investing for at least 5 years or forever!

ALSO READ: SIP & Lump sum returns Calculation

Some more Reading:

SIP vs step up SIP with Excel Examples

Become a Crorepati with SIP

SWP Calculator using Excel

SIP vs Lump sum what is better

Best strategy is to invest via combination of both. Start SIP in a regular way, and invest lump sum amount if you have gathered, in order to take advantage of fallen market to buy more mutual fund units, while investing for at least 5 years or forever!

ALSO READ: SIP & Lump sum returns Calculation

Some more Reading:

SIP vs step up SIP with Excel Examples

Become a Crorepati with SIP

SWP Calculator using Excel

Use Popular Calculators:

I’d love to hear from you if you have any queries about Personal Finance and Money Management.

JOIN Telegram Group and stay updated with latest Personal Finance News and Topics.

Download our Free Android App – FinCalC to Calculate Income Tax and Interest on various small Saving Schemes in India including PPF, NSC, SIP and lot more.

Follow the Blog and Subscribe to YouTube Channel to stay updated about Personal Finance and Money Management topics.