Mutual fund returns calculator
Rs 10,000 a month for 10 years at an assumed 12% could be worth Rs 23,23,391. Switch to a lump sum, change the amount, or compare returns in the table.
Results update as you type. Nothing you enter is stored.
| Assumed return | Value |
|---|---|
| 6% | Rs 16,46,987 |
| 8% | Rs 18,41,657 |
| 10% | Rs 20,65,520 |
| 12% | Rs 23,23,391 |
| 14% | Rs 26,20,914 |
| 16% | Rs 29,64,715 |
Assumed returns, not a forecast or any fund's past return.
How it works
Mutual fund values depend on the fund's NAV, which moves with its holdings. This calculator does not predict a fund; it shows what an amount becomes at a steady assumed return, which is how fund houses present illustrations too.
Formula
SIP: FV = P x [((1 + i)^n - 1) / i] x (1 + i); lump sum: FV = P x (1 + r)^t
- To measure the return you actually earned from dated investments, use the XIRR calculator.
Frequently asked questions
How are mutual fund returns calculated?
For a projection, by compounding at an assumed rate. For actual past returns, by XIRR on your dated purchases and current value.
Can mutual fund returns be negative?
Yes. Fund values fall as well as rise.
Which is better, SIP or lump sum?
Neither is always better. A lump sum is fully invested from the start; a SIP spreads purchases over time.
Related
This tool is for information only and is not investment, tax or legal advice. Results depend on the inputs and assumptions you enter; check important figures with the official source or a qualified professional.