What is a mutual fund calculator?

A mutual fund calculator estimates the maturity value of your investment based on the amount, expected annual return and duration. It works for both SIP (monthly) and lumpsum (one-time) investments.

How are mutual fund returns calculated?

For a lumpsum, FV = P x (1+r)^n. For a SIP, each instalment compounds for its remaining tenure and the future values are summed. Both use compound growth at the expected annual rate.

What return should I assume?

Equity mutual funds in India have historically delivered around 11-13% annualised over long periods. Debt funds return roughly 6-8%. These are historical figures, not guarantees.

Are mutual fund returns guaranteed?

No. Mutual fund returns depend on market performance and are not guaranteed. This calculator shows estimates based on an assumed rate. Actual returns will be higher or lower.

Mutual Fund Returns Calculator

Estimate returns on any mutual fund investment. Switch between monthly SIP and one-time lumpsum, set your expected return and see the projected maturity value.

Investment Type

Monthly Investment

₹

₹500₹5,00,000

Ten Thousand Rupees

Expected Annual Return

1%30%

Equity mutual funds have historically returned around 12% a year over the long term. See the Nifty 50 Returns tool for real data.

Investment Duration

yrs

1 yrs40 yrs

Total Invested

₹12.00 L

Est. Returns

₹11.23 L

Maturity Value

₹23.23 L

93.6% absolute gain

Year-by-Year Breakdown

Year-by-Year Breakdown
Year	Amount Invested	Est. Returns	Total Value
Yr 1	₹1.20 L	₹8,093	₹1.28 L
Yr 2	₹2.40 L	₹32,432	₹2.72 L
Yr 3	₹3.60 L	₹75,076	₹4.35 L
Yr 4	₹4.80 L	₹1.38 L	₹6.18 L
Yr 5	₹6.00 L	₹2.25 L	₹8.25 L
Yr 6	₹7.20 L	₹3.38 L	₹10.58 L
Yr 7	₹8.40 L	₹4.80 L	₹13.20 L
Yr 8	₹9.60 L	₹6.55 L	₹16.15 L
Yr 9	₹10.80 L	₹8.68 L	₹19.48 L
Yr 10	₹12.00 L	₹11.23 L	₹23.23 L

Results shown are estimates based on assumed annual returns and are for illustrative purposes only. Actual returns will vary.

Mutual Fund Returns Calculator

Year-by-Year Breakdown

Frequently Asked Questions

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