Mutual Fund Calculator
A SIP calculator and a lump sum calculator in one. Pick a plan and a fund to see how your investment could grow.
SIP calculator and lump sum calculator in one
Most mutual fund calculators do one job. You use a SIP calculator for monthly investing or a lump sum calculator for a single amount. This one covers both and lets you combine them: start with an amount today and add a monthly SIP on top. A one-time amount can also be repeated every year.
How the calculator works
It uses the same method as the Investment Comparison Calculator and the fund pages on Bini. The return is the published CAGR of the fund you choose, compounded the way a CAGR is meant to be.
One Time Investment (Lumpsum)
Example
৳ 3,10,585
৳ 1,00,000 at 12% for 10 years
The lump sum calculator. A single amount grows by the annual return every year for as long as it is invested.
M = P × (1 + r)t
M is the value at the end, P the amount you invest today, r the annual return as a decimal (12% is 0.12) and t the number of years.
Monthly Investment (SIP)
Example
৳ 11,20,179
৳ 5,000 a month at 12% for 10 years: i = 0.949%, n = 120
The SIP calculator. First the annual return is turned into a monthly one. Then every installment is added up with its growth.
i = (1 + r)1/12 − 1
M = D × [(1 + i)n − 1] ÷ i × (1 + i)
D is the amount you invest every month, i the monthly return and n the number of installments, which is the years times twelve. The last factor, (1 + i), is there because each installment goes in at the start of the month.
The monthly return is the twelfth root of the annual one, not r ÷ 12. Dividing by twelve counts the growth twice and overstates the result, because an annual return already includes compounding.
Repeated every year
Example
৳ 9,82,729
৳ 50,000 a year at 12% for 10 years
A one-time amount can be repeated every year. Like a SIP, each amount goes in at the start of its period, so the first is invested today and the last has a full year to grow.
M = Y × [(1 + r)t − 1] ÷ r × (1 + r)
Y is the amount you invest each year, r the annual return as a decimal and t the number of years. No monthly conversion is needed here because the period is already a year.
Lumpsum + SIP together
Example
৳ 14,30,764
৳ 3,10,585 + ৳ 11,20,179
Both at once. The two are worked out separately and added together, so a lump sum and a SIP can be planned as one.
The total return
Example
+104.39%
৳ 14,30,764 from ৳ 7,00,000 invested
Total return is the final value minus what you invested, as a share of what you invested. The annual return behind it is the CAGR of the fund you chose, shown in the fund card.
No tax is deducted. Capital gains on mutual fund units are not taxed for an individual investor.
Keep reading
Frequently asked questions
- What is a SIP calculator?
- A SIP calculator estimates what a monthly investment could grow to over time at an assumed annual return. This one also works for a one-time (lump sum) investment or for both together.
- How is SIP return calculated?
- Each monthly installment is invested at the start of the month and grows at the monthly equivalent of your annual return. The calculator adds up the growth of every installment to give the future value.
- How do I calculate a lump sum return?
- A one-time amount grows by your annual return every year. For example ৳ 1,00,000 at 12% a year for 10 years becomes about ৳ 3,10,585.
- Can I use a SIP and a lump sum together?
- Yes. Choose One-time + SIP to start with an amount today and add a monthly SIP on top. The calculator shows the combined result.
- Can I invest a lump sum every year?
- Yes. Choose One-time and set How often to Every year. It is invested at the start of each year, the first one today, so the last one has a full year to grow.
- What return does the calculator use?
- The published annual return (CAGR) of the Bini fund you choose. It is a record of what the fund did and not a promise of what it will do, so treat the result as an illustration.
- Is the SIP calculator free?
- Yes. It is free to use and needs no sign-up.