Mutual Fund Calculator
Calculate lump sum mutual fund returns with CAGR.
About Mutual Fund Calculator
Simple on the surface and careful underneath, the Mutual Fund Calculator was made for mutual fund investors and distributors who just want the number. Estimate the future value of a lump sum or SIP investment by entering the amount, expected return and tenure, and the calculator shows the maturity value, the gain and the effective CAGR. A lump-sum versus SIP comparison makes the case for staggered investing, and an inflation-adjusted view shows what the corpus will be worth in today's money. Indian mutual fund expense ratios, exit loads and the long-term capital gains tax of 10 per cent above Rs 1.25 lakh on equity funds are factored in, so the figure resembles the cash you actually receive at redemption rather than the gross NAV growth. Every figure is in Indian rupees with lakh and crore grouping, the same format your bank statements and SIP confirmations already use. Typical moments to reach for it: projecting a lump sum held for ten years, comparing a Rs 10 lakh lump sum with a SIP, or estimating post-tax corpus for a goal. Try it the next time a quick decision needs real numbers behind it.
How to Use the Mutual Fund Calculator
- Open the Mutual Fund Calculator tool above — it loads instantly in your browser.
- Enter your values in the input fields provided.
- The result updates immediately — no calculate button needed (or click Calculate where shown).
- Copy or use your result directly. Nothing is stored or sent to any server.
Key Features of Mutual Fund Calculator
- Lump sum
- CAGR
- Return projection
- Lump sum and SIP modes
- Post-tax corpus estimate
- Inflation-adjusted view
Related Searches for Mutual Fund Calculator
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Frequently Asked Questions
How are mutual fund returns calculated?
Mutual fund returns are calculated using CAGR formula: (End Value / Start Value)^(1/Years) - 1. This gives the annualized return over the investment period.
What is the difference between lump sum and SIP?
Lump sum invests a one-time amount while SIP invests periodically. SIP reduces timing risk through rupee cost averaging and is better for volatile markets.
What is a good mutual fund return?
Large-cap equity funds historically return 10-14% annually over long periods (10+ years), while mid-cap and small-cap funds can return 12-18% with higher volatility.
Does it account for the 10 per cent LTCG on equity funds?
Yes, the equity LTCG of 10 per cent above the Rs 1.25 lakh annual exemption is applied to long-term gains on equity-oriented funds.
Are debt fund gains taxed differently?
Since April 2023, debt fund gains are taxed at your slab rate regardless of tenure, so they no longer enjoy the old long-term benefit.