Mutual Fund Calculator
invested amount
Frequently Asked Questions
How do I calculate mutual fund returns?
For SIP investments, use the formula: M = P × [(1 + r)^n – 1] / r × (1 + r), where P is monthly investment, r is monthly return rate, and n is number of months. For lump sum, use: M = P × (1 + r)^n. Our calculator handles both automatically.
Is the Mutual Fund Calculator free?
Yes, completely free. No signup, no account required. Calculate unlimited scenarios at no cost.
What is a realistic return rate for mutual funds in India?
Large-cap equity funds have historically delivered 10–12% CAGR. Mid-cap and small-cap funds have delivered 14–18% CAGR over long periods. Debt funds deliver 6–8%. Use 12% as a conservative estimate for equity funds.
What is the difference between SIP and lump sum investment?
SIP (Systematic Investment Plan) invests a fixed amount monthly, averaging out market fluctuations through rupee cost averaging. Lump sum invests all money at once. SIP is better for salaried individuals; lump sum can be better when markets are at a low.
What is XIRR in mutual funds?
XIRR (Extended Internal Rate of Return) is the actual annualised return on your investment accounting for the timing of each SIP instalment. It is more accurate than simple CAGR for SIP investments. Our calculator shows both CAGR and estimated XIRR.
How much should I invest in mutual funds per month?
A common rule is to invest at least 20% of your monthly income. Start with ₹500–₹1,000 per month and increase by 10% every year (step-up SIP). Even ₹1,000/month at 12% CAGR grows to over ₹23 lakhs in 20 years.
Are mutual fund returns taxable in India?
Yes. Equity mutual fund gains held over 1 year are taxed at 10% LTCG (above ₹1 lakh). Short-term gains (under 1 year) are taxed at 15%. Debt fund gains are taxed as per your income tax slab.
How to Use Mutual Fund Calculator
Choose your investment type: SIP (monthly investment) or Lump Sum (one-time investment).
Enter your investment amount — monthly SIP amount or total lump sum amount.
Set the expected annual return rate. Use 12% for equity funds (conservative historical estimate) or 7% for debt funds.
Enter your investment duration in years. The power of compounding becomes dramatic beyond 10 years.
Instantly see your projected wealth, total invested amount, estimated returns, and wealth gain percentage — adjust any input to explore different scenarios.