Mutual Fund Calculator

Estimate your mutual fund returns and plan your long-term financial goals.

How It Works

Enter Investment Amount

Input the lump sum amount you want to invest in mutual funds.

Choose Investment Period

Select the number of years you plan to stay invested.

Select Expected Returns

Enter expected annualized return based on historical fund performance.

View Maturity & Growth

See projected corpus, annual growth, and maturity value at the end of the period.

For Example:

A lump sum investment of ₹1,00,000 in a mutual fund for 3 years at expected 10% annual return grows steadily with compounding. Here's a 3-year snapshot:

Year-wise Growth Table

Year	Investment (₹)	Annual Returns (₹)	Total Returns Till Now (₹)	Corpus Amount (₹)
Year 1	₹1,00,000	₹10,000	₹10,000	₹1,10,000
Year 2	₹1,00,000	₹11,000	₹21,000	₹1,21,000
Year 3	₹1,00,000	₹12,100	₹33,100	₹1,33,100

Tips & Best Practices

Diversify Your Portfolio

Spread investments across equity, debt, and hybrid funds to balance risk and maximize returns over time.

Start Early

Investing early allows compounding to work in your favor, growing your corpus significantly over long periods.

Monitor Fund Performance

Regularly check your mutual fund performance, and adjust if needed to align with your financial goals.

Avoid Panic Selling

Do not redeem investments during market dips; mutual funds are designed for long-term growth, and staying invested usually yields better returns.

Reinvest Dividends

Choose growth or reinvestment options to allow dividends to compound over time, increasing your final corpus.

Invest Consistently

Consider SIPs for systematic investing, which reduces timing risk and smooths out market volatility.

Frequently Asked Questions

What are Mutual Funds?

Mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other assets. They are managed by professional fund managers who aim to generate returns while managing risk. Mutual funds provide an easy way to invest in the stock market without needing extensive knowledge, making them ideal for long-term wealth creation.

How is mutual fund return calculated?

The return depends on the type of fund and market performance. For growth funds, the value increases with NAV (Net Asset Value) appreciation, while dividend funds distribute periodic earnings. CAGR (Compound Annual Growth Rate) can be used to estimate average annual returns, helping investors project corpus growth over the chosen investment horizon.

Are mutual funds safe?

Mutual funds carry market-linked risk. Equity funds are volatile, debt funds are relatively safer, and hybrid funds balance both. Safety depends on fund type and market conditions. Diversification across funds and regular monitoring help mitigate risk, but investors should choose funds aligned with their risk profile.

Can I redeem mutual funds anytime?

Yes, mutual funds are generally liquid, and units can be redeemed at prevailing NAV. However, some funds like ELSS have lock-in periods. Redemption before the intended investment horizon may affect returns due to taxes or market conditions. Planning your exit strategy helps optimize gains.

Are returns taxable?

Returns depend on fund type. Equity funds held for more than 1 year attract long-term capital gains tax at 10% over ₹1 lakh exemption. Debt funds held over 3 years are taxed at 20% with indexation. Short-term capital gains on equity funds are taxed at 15%. Tax planning ensures better net returns from mutual fund investments.

What is NAV?

NAV (Net Asset Value) represents the per-unit value of a mutual fund. It is calculated by dividing the total value of fund assets minus liabilities by the number of units outstanding. NAV fluctuates daily based on market performance, reflecting the growth or decline of your investment.

How much should I invest?

Investment amount depends on financial goals, risk tolerance, and investment horizon. Diversifying across funds and starting with manageable amounts ensures disciplined investing. SIPs allow smaller amounts to grow over time through regular investing, while lump sum investments are suitable when market timing and risk tolerance align.

What is the best time to invest?

There is no guaranteed timing for mutual fund investments. Systematic investing through SIPs smooths market volatility and reduces timing risk. Lump sum investments require market analysis and carry higher risk. Long-term investment mindset generally yields better returns regardless of entry timing.

Knowledge