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Mutual Fund Calculator

Estimate your mutual fund returns and plan your investments

Investment Details

Adjust the values to calculate your returns

₹1,00,000
₹1,000₹1 Crore
12%
1%30%
10 Years
1 Year30 Years

Investment Summary

Your estimated returns

Invested Amount
₹0
Estimated Returns
₹0
Total Value
₹0

Investment Growth Projection

Year-by-year growth of your investment

Disclaimer: The use of financial calculators is subject to inherent financial and calculation risks. It is recommended to always consult with your financial advisors prior to undertaking any financial actions.

About Investment Calculations

Mutual Fund Investments

Mutual funds pool money from multiple investors to invest in a diversified portfolio of securities. This calculator helps you estimate potential returns based on key investment parameters.

Key Concepts

  • Net Asset Value (NAV): The per-unit market value of a fund, calculated as:
    NAV = (Total Assets - Liabilities) / Number of Outstanding Units
    NAV fluctuates daily based on the underlying securities' market values.
  • Expense Ratio: Annual fee charged by the fund, expressed as a percentage of assets. This calculator's returns are assumed to be net of expenses.
  • Compounding: The process where investment returns generate additional returns over time, accelerating wealth accumulation.

Calculation Methods

This calculator uses the following formulas:

For Lumpsum investments:

FV = P × (1 + r)^t

Where:

  • FV = Future Value
  • P = Principal (initial investment)
  • r = Expected annual rate of return (decimal)
  • t = Investment period in years

For SIP (Systematic Investment Plan):

FV = P × ((1 + r)^n - 1) / r × (1 + r)

Where:

  • FV = Future Value
  • P = Monthly investment amount
  • r = Monthly rate of return (annual rate ÷ 12)
  • n = Total number of months

Market Fluctuations

Actual returns will vary due to market volatility. This calculator assumes a constant rate of return, while real-world investments experience fluctuations. Higher volatility can significantly impact final returns, especially for shorter investment periods.

Important Considerations

  • Past performance is not indicative of future results
  • Different fund categories (equity, debt, hybrid) have different risk-return profiles
  • Entry/exit loads and transaction costs are not factored into these calculations
  • Tax implications vary based on fund type and holding period
  • Diversification across multiple funds can help manage risk