Mutual Fund Calculator
Calculate returns from mutual fund investments including SIP and lump sum options
Calculate Mutual Fund Returns
Amount you plan to invest every month
Annual return rate you expect from the mutual fund (historical average: 10-15%)
Duration for which you plan to stay invested
Annual management fee charged by the mutual fund (typical range: 0.5% - 2.5%)
Investment Results
Expense Ratio Impact
Year-by-Year Growth
| Year | Invested Amount | Maturity Value | Gains |
|---|---|---|---|
| 1 | ₹60,000 | ₹63,524 | ₹3,524 |
| 2 | ₹1,20,000 | ₹1,34,049 | ₹14,049 |
| 3 | ₹1,80,000 | ₹2,12,347 | ₹32,347 |
| 4 | ₹2,40,000 | ₹2,99,272 | ₹59,272 |
| 5 | ₹3,00,000 | ₹3,95,778 | ₹95,778 |
| 6 | ₹3,60,000 | ₹5,02,918 | ₹1,42,918 |
| 7 | ₹4,20,000 | ₹6,21,866 | ₹2,01,866 |
| 8 | ₹4,80,000 | ₹7,53,922 | ₹2,73,922 |
| 9 | ₹5,40,000 | ₹9,00,531 | ₹3,60,531 |
| 10 | ₹6,00,000 | ₹10,63,297 | ₹4,63,297 |
Calculation Formulas
SIP Future Value:
FV = PMT × [((1 + r)^n - 1) / r] × (1 + r)
Lump Sum Future Value:
FV = PV × (1 + r)^n
Where:
- FV = Future Value at maturity
- PMT = Monthly SIP amount
- PV = Present Value (lump sum)
- r = Monthly return rate (adjusted for expenses)
- n = Number of months
Example: SIP Investment
Investment Details
Monthly SIP: ₹10,000
Period: 15 years
Expected Return: 12% annually
Expense Ratio: 1.5%
Results
Total Investment: ₹18,00,000
Maturity Amount: ₹50,61,375
Total Gains: ₹32,61,375
Wealth Gain: 181.19%
Popular SIP Amounts
Mutual Fund Types
Equity Funds
High risk, high returns (stocks)
Debt Funds
Low risk, steady returns (bonds)
Hybrid Funds
Balanced equity and debt mix
International Funds
Global market exposure
Understanding Mutual Funds
What are Mutual Funds?
Mutual funds are professionally managed investment products that pool money from multiple investors to purchase a diversified portfolio of stocks, bonds, or other securities. This allows individual investors to access professionally managed portfolios with small amounts.
Key Components
- •NAV (Net Asset Value): Price per share of the mutual fund
- •Expense Ratio: Annual management fee charged by fund house
- •Portfolio: Collection of securities held by the fund
- •Fund Manager: Professional managing investment decisions
SIP vs Lump Sum
SIP (Systematic Investment Plan)
- • Regular monthly investments
- • Rupee cost averaging benefit
- • Lower risk through time diversification
- • Disciplined investment approach
Lump Sum Investment
- • One-time large investment
- • Higher exposure to market timing
- • Potential for higher returns in bull markets
- • Suitable when markets are undervalued
Smart Investment Tips
Diversification
Don't put all money in one fund. Spread investments across different fund types and categories to reduce risk.
Long-term Focus
Mutual funds work best for long-term goals (5+ years). Stay invested through market cycles for better returns.
Regular Review
Review your portfolio annually. Rebalance if needed and ensure it aligns with your financial goals.
Understanding Expense Ratio Impact
Example: On a ₹10 lakh investment over 10 years with 12% returns:
Final Value: ₹28.39 lakh
Final Value: ₹25.94 lakh
Loss: ₹2.45 lakh
Lower expense ratios can significantly impact long-term wealth creation.