Mutual Fund Returns Calculator
Calculate mutual fund returns for SIP or lumpsum investments. Free online mutual fund calculator with CAGR, total returns & maturity value.
How to Use
- Toggle between SIP (monthly investment) and Lumpsum (one-time investment) mode.
- Enter your investment amount, expected annual return rate, and time period.
- The calculator shows your invested amount, estimated returns, and total maturity value.
Formula
SIP: Maturity = P × ((1+r)ⁿ − 1) / r × (1+r) [r = annual rate/12/100, n = months]
Lumpsum: Maturity = P × (1 + R)ᵀ [R = annual rate/100, T = years]
CAGR = (Maturity / Invested)^(1/Years) − 1
Example Calculation
Example: ₹10,000/month SIP at 12% p.a. for 10 years
| Parameter | Value |
|---|---|
| Monthly SIP | ₹10,000 |
| Return Rate | 12% p.a. |
| Period | 10 Years |
| Total Invested | ₹12,00,000 |
| Est. Returns | ₹11,23,391 |
| Total Value | ₹23,23,391 |
Frequently Asked Questions
Equity mutual funds (large-cap) have delivered 12–14% CAGR over 10-year periods historically. Small-cap/mid-cap funds have delivered 15–18% CAGR. Debt funds typically deliver 6–8%. Past returns do not guarantee future performance.
SIP is better for salaried investors as it averages out market volatility (rupee cost averaging). Lumpsum is better when markets are at multi-year lows. For most investors, SIP is recommended due to its disciplined approach.
CAGR (Compound Annual Growth Rate) is the rate at which an investment grows from its beginning value to its ending value, assuming profits are reinvested each year. It smooths out year-over-year volatility.
LTCG (Long-term capital gains) on equity funds held >1 year: 12.5% on gains above ₹1.25 lakh/year. STCG (held ≤1 year): 20%. Debt fund gains are taxed at your income slab rate.
Yes! Many mutual funds accept SIP starting from ₹100 or ₹500 per month. Even small amounts compounded over 15–20 years can build significant wealth.
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