Mutual Fund SIP Calculator

An investment returns calculator helps you estimate the future value of your monthly contributions to mutual funds or ETFs. Most online calculators ask you to assume a return rate (say 10%) and compute a theoretical projection. The problem: no fund delivers a fixed 10% every year. Our approach is different — we pull actual month-by-month NAV data from public exchange records for major U.S. mutual funds and ETFs, and simulate what would have happened with any real fund over any specific time period.

Why Use Real NAV Data Instead of Assumed Returns?

Equity markets are volatile. In 2020, the S&P 500 fell about 34% during the COVID crash and then recovered more than 70% in the next 12 months. An assumed-return calculator would have shown a smooth straight line through this period — completely misleading. Real NAV data captures the actual journey: the drawdowns, the recoveries, and the final outcome. This builds realistic expectations and better investment discipline. You see what your portfolio would have gone through, not just where it ends.

Popular Fund Pages

We have dedicated pages for the U.S.'s most-searched mutual funds with detailed analysis and direct calculator links:

• Vanguard 500 Index Fund Admiral Shares — Low-cost S&P 500 exposure
• Fidelity 500 Index Fund — Core portfolio building block

How Unit Accumulation Works

Each monthly contribution buys units at that day's Net Asset Value. If the NAV is $50, your $1,000 buys 20 units. If the NAV drops to $40 next month, the same $1,000 buys 25 units. This is dollar cost averaging — you automatically buy more units when markets are low and fewer when markets are high. Over a long period, this reduces the average cost per unit and smooths out market volatility. One of the best examples is the March 2020 COVID crash: investors who stayed disciplined saw their units purchased at 20-25% lower NAVs, which generated strong returns when the market recovered.

Increasing Contributions: The 10% Rule

If your contribution stays fixed at $1,000/month while your income grows, your savings rate actually declines each year. Increasing your contribution each year matches your investment growth to your income growth. For example, starting at $1,000/month with a 10% annual increase means $1,100/month in year 2, $1,210 in year 3, and so on. Over 20 years, this approach can generate 2-3x more wealth than a flat contribution — not because of better returns, but because increasing contributions compound for longer.

Download & Share Your Results

Every calculation can be exported in one click. Use the export to PDF option for a clean, branded investment-returns report; export to Excel (XLSX) to get the full summary plus a year-wise or month-wise breakdown on separate sheets for your own analysis; or export to Word (DOCX) for an editable document. You can also share results as a high-resolution PNG image ideal for email, X/Twitter, or Reddit.

A Data toggle lets you choose whether exports include yearly or monthly granularity. Every export includes the fund name, period, invested amount, current value, total returns and annualised return (XIRR). Nothing is uploaded — files are generated entirely in your browser, so your inputs stay private.

Explore Our Full Suite of Tools

Beyond fund returns, we offer a range of free financial planning calculators:

• All Calculators — Browse every tool we offer
• FIRE Calculator — Plan your Financial Independence and Early Retirement
• Cost of Delay Calculator — See how much delaying your investing by even 1 year costs you
• FAQ — Answers to common questions about investing, taxes, and fund selection
• Glossary — Mutual fund terms explained in plain language
• Investment Mistakes — Common errors and how to avoid them
• Methodology — How our calculators work and data sources