Mutual funds pool money from thousands of investors to invest in stocks, bonds, or other securities, professionally managed by fund managers. This calculator helps you plan investments across different fund types - equity funds for long-term growth, debt funds for stability, or hybrid funds for balance. Understanding how different fund types perform helps you build a portfolio that matches your risk appetite and financial goals. Whether you're investing monthly through SIP or putting in a lumpsum, this calculator gives you realistic projections to plan your financial future with confidence.

Choose your investment type first - SIP for regular monthly investing or lumpsum for one-time investment. Enter your investment amount and expected return rate based on fund type: equity funds (10-15%), hybrid funds (8-12%), or debt funds (6-9%). Set your investment duration based on your goal timeline. For equity funds, invest for at least 5-7 years to ride out market volatility. For debt funds, even 1-3 years can work. Watch how changing the return rate dramatically affects your final corpus - this shows why choosing the right fund category matters so much.

Your results breakdown shows how much you'll invest, the returns generated, and your final wealth. The chart helps visualize your wealth accumulation journey. For equity funds, expect volatility in the short term but strong growth long-term. Debt funds offer steadier, lower returns. Don't chase the highest return rates - they come with higher risk. Instead, aim for consistent, reasonable returns that match your risk tolerance. Remember, these are projections based on historical averages; actual returns will vary year to year. Diversifying across multiple funds reduces your overall risk.