Mutual Fund Calculator
Calculate your Mutual Fund returns and plan your investments. Estimate maturity amount, total investment, and wealth gained with accurate projections.
About Mutual Fund Calculator
This Mutual Fund Calculator estimates the future value of a lump-sum investment or SIP using an assumed annualised return (CAGR). Mutual fund returns are market-linked and not guaranteed. Use the tool for goal planning — then choose funds based on risk, expense ratio and horizon, not on a single projected number.
Step 1: Enter Investment Amount
Input your lump-sum amount or monthly SIP contribution
Step 2: Set Time Horizon
Choose how many years you plan to stay invested
Step 3: Enter Expected Return
Use a conservative assumed CAGR (not a promise of future returns)
Step 4: Review Corpus
Compare total invested vs projected value and wealth gain
How to Use the Calculator
Step 1: Enter Investment Details
Input your lump-sum or monthly SIP amount and investment period
Step 2: Set Expected Return
Enter an assumed annualised CAGR for planning (not a guaranteed rate)
Step 3: Analyze Results
Review the projected maturity amount and wealth gained
Step 4: Plan Your Investment
Use the insights to make informed investment decisions
Mutual Fund Guide for India — Worked Example
Mutual funds pool money into equity, debt or hybrid portfolios. This calculator projects future value using an assumed CAGR. Real returns vary with markets, expense ratios and taxes (including capital gains rules that change with Finance Acts).
Worked example (lump sum): Invest ₹2 lakh for 10 years at an assumed 11% p.a. Projected value ≈ ₹5.67 lakh (gain ≈ ₹3.67 lakh). The same money in an FD at 7% would grow far less — but with lower volatility.
Worked example (SIP): ₹8,000/month for 12 years at 12% assumed return → total invested ₹11.52 lakh; projected corpus roughly ₹28–30 lakh depending on monthly compounding convention. Cross-check with our SIP Calculator.
ELSS: Equity Linked Savings Schemes qualify for Section 80C (old regime) with a 3-year lock-in. Model the investment here, then confirm tax treatment for your FY.
Published by HappyMynds / IFSCNOW Editorial. See PPF vs ELSS.
Benefits
Market-Linked Returns
Returns depend on fund performance and market conditions — not guaranteed
SIP or Lump Sum
Model monthly SIPs or one-time investments with expected CAGR assumptions
Flexible Horizon
Project wealth over 1 to 30+ years based on your investment timeline
Risk Varies by Fund
Equity funds carry higher volatility; debt and hybrid funds are relatively steadier
ELSS Tax Saving
ELSS mutual funds qualify for Section 80C — subject to ₹1.5 lakh limit and 3-year lock-in
Goal Planning
Estimate corpus needed for retirement, education or other long-term goals
Key Features
Frequently Asked Questions
What does this mutual fund calculator show?
It projects an estimated future corpus using your investment amount, tenure and an assumed CAGR. It is a planning estimate — not a guarantee of fund performance.
Are mutual fund returns guaranteed like FD interest?
No. Mutual fund NAVs move with markets. Equity funds can fall in the short term; debt funds have different risks. Always match fund type to your horizon and risk tolerance.
What CAGR should I assume?
For long-term equity planning many people stress-test 10–12% assumptions and also run a lower case (e.g. 8%). Past category averages are not a promise of future returns.
Can I redeem mutual funds anytime?
Most open-ended funds allow redemption on business days, subject to exit loads and settlement timelines. ELSS funds have a 3-year lock-in. Check the scheme information document.
Do mutual funds give Section 80C benefits?
Only ELSS (tax-saving) equity funds qualify under Section 80C in the old tax regime, within the overall ₹1.5 lakh limit. Other mutual funds do not.