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Mutual Fund Returns Calculator icon

Mutual Fund Returns Calculator

Estimate the maturity value and returns of a mutual fund investment — whether you invest as a lump sum or a monthly SIP.

Estimate your returns

₹

Total amount for lump sum, or the monthly amount for SIP.

%
yr

Your results

Estimated value

₹1,76,234

  • Invested amount₹1,00,00056.7%
  • Est. returns₹76,23443.3%

Invested amount

₹1,00,000

Est. returns

₹76,234

Absolute return

76.23%

Annualised (CAGR)

12.00%

Invest now

What is the Mutual Fund Returns Calculator?

A mutual fund returns calculator projects how much your investment in a mutual fund could grow over a chosen period. It works for both a one-time lump sum and a recurring monthly SIP, and shows you the split between what you invested and what you potentially earned.

How does it work?

For a lump sum, the amount compounds annually at the expected return. For a SIP, each monthly instalment compounds for its remaining duration. The tool then derives the absolute return (total gain) and the annualised return (CAGR) so you can judge performance on a per-year basis.

Formula

Lump sum: FV = P(1 + r)^t | SIP: FV = P × [((1 + i)^n − 1)/i] × (1 + i)

  • P = invested amount (total or monthly)
  • r = expected annual return
  • i = monthly return (r ÷ 12)
  • t / n = years / number of months

Example calculation

A ₹1,00,000 lump sum at 12% for 5 years grows to about ₹1,76,234 — an absolute return of ~76% and a CAGR of ~12%. The same logic with a monthly SIP averages out market entry points.

Benefits

  • +Supports both lump sum and SIP in one place.
  • +Shows absolute and annualised returns for clearer comparison.
  • +Helps set realistic expectations before investing.

Limitations

  • !Assumes a fixed return; mutual fund NAVs fluctuate daily.
  • !Excludes expense ratio, exit load and capital-gains tax.
  • !Does not account for dividend payouts or scheme changes.

Conclusion

This calculator is a planning aid, not a forecast. Choose a sensible expected return, account for costs and taxes separately, and review your funds periodically against their benchmarks.

Frequently Asked Questions

Can this calculate both SIP and lumpsum returns?+

Yes. Choose the investment type and the same tool projects returns for either a monthly SIP or a one-time lump sum.

What is absolute vs annualised return?+

Absolute return is the total gain over the whole period; annualised return (CAGR) expresses it as a steady per-year rate.

Are mutual fund returns guaranteed?+

No. Returns depend on market performance and the fund’s holdings, so the projection is only an estimate.

Does it include the expense ratio?+

No. Enter a return that already reflects expected costs, or treat the result as a gross figure.

How do taxes affect my returns?+

Equity and debt funds are taxed differently on capital gains. Your post-tax return will be lower than the value shown here.

What return should I assume?+

Use the fund category’s long-term average as a guide — for example, broad equity funds have historically returned around 10–14% per year.

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