Mutual Fund Calculator
Estimate returns on your mutual fund lumpsum investment.
Input Values
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%
Years
Results
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⚠️ Results are indicative only. Consult a qualified professional before making any decisions.
What is this Calculator?
The Mutual Fund Calculator helps you estimate the future value of a lumpsum investment in mutual funds. It uses compound interest to project how your investment grows over time at a given expected annual return rate.
How to Use
1
Enter Investment Amount: Enter the lumpsum amount you wish to invest.
2
Enter Expected Return: Enter the expected annual return from the mutual fund.
3
Enter Time Period: Enter the investment duration in years.
4
View Results: See Invested Amount, Estimated Returns, and Maturity Value.
Frequently Asked Questions
Mutual funds pool money from multiple investors and invest in stocks, bonds, or other securities. They are managed by professional fund managers and offer diversification with small investment amounts.
NAV (Net Asset Value) is the per-unit price of a mutual fund scheme. It is calculated daily as: NAV = (Total Assets − Liabilities) ÷ Total Units.
Equity mutual funds have historically returned 10–15% p.a. over long periods. Debt funds return 6–8%. Hybrid funds return 8–11%. Past returns do not guarantee future performance.
Equity mutual funds carry market risk. Debt mutual funds carry credit and interest rate risk. However, they are regulated by SEBI and are generally safer than direct stock investment for retail investors.
Most mutual funds allow lumpsum investment from ₹500 or ₹1,000. SIP investments can start from ₹100 per month.
Expense ratio is the annual fee charged by the AMC to manage your mutual fund. It ranges from 0.1% (direct plans) to 1.5% (regular plans). Lower expense ratio means higher returns for you.