Mutual Fund Returns Calculator

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

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.