Mutual Fund Calculator
Grow Your Wealth Smartly with Mutual Funds – Expert Guide & Calculator!
Investment Results
Investment Breakdown
What Is a Mutual Fund Calculator?
A mutual fund calculator is an online tool that helps investors estimate their returns and the future value of their mutual fund investments. By inputting key details such as investment amount, time horizon, and expected rate of return, you can see how your investments may grow over time.
Diversification (Lower Risk)
Invests in a mix of stocks, bonds, and other assets, reducing risk
Beats Inflation
Historically, equity mutual funds have delivered 10-12% annual returns, outperforming inflation (~6%)
Tax Benefits
ELSS offers ₹1.5 lakh tax deduction under Section 80C and Long-term capital gains (LTCG) on equity funds taxed at 10% (above ₹1 lakh profit)
Mutual Fund Calculator Work and Calculation Formula?
The Mutual Fund calculator use formula below:
Lump Sum:
Future Value (FV) = P × (1 + r)^t
where as,
FV= Future ValueP= Principal amountr= Annual rate of return (in decimal, e.g., 12% = 0.12)- t = Investment tenure (in years)
SIP (Monthly):
FV = P × [ ( (1 + r)^n – 1 ) / r ] × (1 + r)
where as,
FV= Future Value (Maturity Amount)P= Monthly Investment Amountr= Monthly Interest Rate (Annual Rate ÷ 12 ÷ 100)n= Total Number of Months (Years × 12)
Yearly Return Summary:
| Year | Investment Amount (₹) | Returns (₹) | Maturity Value (₹) |
|---|---|---|---|
| 2025 | ₹100,000 | ₹12,000 | ₹1,12,000 |
| 2026 | ₹100,000 | ₹25,440 | ₹1,25,440 |
| 2027 | ₹100,000 | ₹40,493 | ₹1,40,493 |
| 2028 | ₹100,000 | ₹57,352 | ₹1,57,352 |
| 2029 | ₹100,000 | ₹76,234 | ₹1,76,234 |
| 2030 | ₹100,000 | ₹97,382 | ₹1,97,382 |
| 2031 | ₹100,000 | ₹1,21,068 | ₹2,21,068 |
| 2032 | ₹100,000 | ₹1,47,596 | ₹2,47,596 |
| 2033 | ₹100,000 | ₹1,77,308 | ₹2,77,308 |
| 2034 | ₹100,000 | ₹2,10,585 | ₹3,10,585 |
Frequently Asked Questions
Yes, all our Tools are completely free and do not require any registration or payment.
Yes, you can use the calculator for any investment duration, from a few months to several decades, to see potential returns.
Yes, mutual funds can generate negative returns, especially if the market performs poorly or if the underlying assets (stocks, bonds, etc.) underperform. Market volatility, economic downturns, & poor fund management can contribute to negative returns.
You can invest directly in mutual funds without a Demat account. Visit the mutual fund house website directly and start investing.
Yes! Most modern calculators work seamlessly on all devices.
