Mutual Fund Calculator: Forecast Your Wealth Journey
Mutual fund investing is a popular strategy for steadily building wealth. You may estimate possible returns for your investments with our mutual fund calculator. With the aid of this tool, you can see how your investments will develop, account for changing market conditions, and make sound decisions to reach your financial objectives.
Investment Type
Investment Amount: ₹50000
Investment Duration (Years): 5
Expected Return Rate: 12%
Future Value
₹ 0
Invested Amount
₹ 0
Returns Earned
₹ 0
What is a Mutual Fund Calculator?
The mutual fund calculator is a financial tool for estimating the returns on your investments in mutual funds . It simplifies the planning process by projecting the future value of your investments, whether through a lump sum or systematic investment plan (SIP).
You can determine how your investments will increase over time and match them with your financial objectives with a few simple inputs.
How to Calculate Mutual Fund Returns?
Our mutual fund calculator makes it easy and quick to estimate your mutual fund returns. This is how to utilise it:
This methodical approach assists you in comparing situations and visualising possible growth so that you may make well-informed judgements regarding your mutual fund investments.
Advantages of Using the Mutual Fund Calculator
The mutual fund calculator is an invaluable resource that provides a range of benefits f for investors.
1.
Fast and Accurate Estimates:
Saves time and removes uncertainty by providing immediate forecasts of future returns.
2.
Simplifies Financial Planning:
By allowing you to see possible growth over time, it helps plan your investments efficiently.
3.
Custom Scenarios:
You can compare the effects of varying investment amounts, durations, and return rates on your corpus by using customisable scenarios.
4.
Compare Investment Types:
Assists you in determining which approach best fits your financial objectives by comparing the results from lump sum and SIP investments.
5.
Making Informed Decisions:
Provides clarity on expected returns and necessary contributions, enabling you to make smarter investment decisions.
6.
User-Friendly Interface:
Made to be easy to use and understand, this interface makes it accessible to both novice and experienced investors.
With these benefits, the mutual fund calculator turns into a crucial instrument for your investing process, offering practical advice for reaching your objectives.
Formula to Calculate Mutual Fund Returns
Understanding the formulas used in the mutual fund calculator can give you deeper insight into how your investments grow over time. The tool employs two primary formulas based on the investment type:
1. Lump Sum Investment Formula:
FV = P ×(
Where:
- FV = Future Value (Maturity Amount)
- P =Principal Amount (Initial Lump Sum Investment)
- r =Annual rate of return (in decimal form)
- n =Number of compounding periods in a year
- t =Time (Investment duration in years)
2. SIP Investment Formula:
FV =E × (1 + r)n - 1r× (1 + r)
Where:
- FV = Future Value of SIP
- P =Monthly Investment Amount
- r =Monthly Rate of Return (Annual Rate of Return divided by 12)
- n =Total Number of Monthly Investments (Years × 12)
By using the calculator, you can concentrate on strategic financial planning rather than the intricacy of manual calculations.
Other useful calculators
Retirement Calculator
Estimate the investment value required to build a retirement corpus and maintain your lifestyle post-retirement.
ELSS Calculator
Optimize tax planning by estimating potential tax savings from Equity Linked Savings Schemes investments.
CAGR Calculator
Measure the Compound Annual Growth Rate of your investment portfolio to benchmark its performance.
Lumpsum Calculator
Analyze the potential future returns from one-time lumpsum investments in mutual funds and other assets.
RD Calculator
Determine the maturity amount for recurring deposits based on monthly contributions and interest rates.
FD Calculator
Calculate the returns and maturity value of fixed deposits with customizable interest rates and durations.
NPS Calculator
Understand the breakdown of lumpsum corpus and monthly pension with investments in National Pension Scheme.
SIP Calculator
Plan your investments in a Systematic Investment Plan and visualize the growth of your corpus over different time periods.
Mutual Fund Calculator FAQs
Your Questions, Answered
Mutual Fund Calculator can seem complex, but we’ve got you covered. Our comprehensive FAQ section answers common questions like:
Is it possible for a mutual fund calculator to forecast real returns?
No, the calculator for mutual funds gives you estimations based on your inputs and rate of return assumptions. Market swings and other variables may cause actual returns to differ.
Does the calculator take mutual fund return taxes and fees into account?
The calculator does not directly account for fund management fees and taxes. When estimating net returns, these should be taken into consideration independently.
Can I use the calculator to compare returns from several mutual fund schemes?
Yes, you can compare possible returns from several mutual fund schemes by entering different projected return rates and durations.
Is market volatility taken into consideration by the mutual fund calculator?
No, the calculator makes the assumption that the rate of return will remain constant during the investment period. It doesn't adapt to changes in the market on the fly.
Can the mutual fund calculator mimic SIP versus lump sum investments?
Indeed, you can use the calculator to determine the returns on both lump sum and SIP investments, enabling you to compare which strategy best suits your objectives.
What errors should I stay away from while using the calculator for mutual funds?
- Unrealistic Expectations for Return: Steer clear of entering excessively optimistic rates of return.
- Ignoring Inflation: Do not forget to take into account how inflation will affect the future worth of your investments.
- Short-Term Focus: Avoid utilising short durations for calculations; mutual funds are better suited for long-term objectives.
What taxes are applicable on mutual funds?
Depending on the kind of fund you invest in, tax rates can change. While LTCG exceeding Rs. 1,25,000 is subject to 12.5% taxation, STCG is fixed at 20% for equity-oriented funds. STCG remains 20% for debt funds, while LTCG on debt is taxed based on the investor's tax slab.
Address
Registered Office:
Express Zone A Wing 10th Floor, Western Express Highway, Goregaon east, Mumbai - 400063
Corporate Office:
11th Floor, Times Tower, Kamala Mills, Senapati Bapat Marg, Lower Parel, Mumbai - 400 013
Quick Links
- AR Payment Gateway
- Associate Companies
- CDSL Depository
- CDSL E-Voting
- Client Bank Details
- Collateral Details for Clients
- Company Profile
- Debt MF Commercials
- Disclaimer
- Early Payin of Funds
- Equity MF Commercials
- Form 15G
- Form 15H
- Link Pan with Aadhar
- Links to KRA
- Member AP Details
- NSDL Depository
- NSDL E-Voting
- ODR Portal
- Relevant Stock Exchange Rules/Regulations
- Trading Holidays
- Back Office
- ASBA
- MITC
Anand Rathi Share and Stock Brokers Ltd.
SEBI Registration No.: INZ000170832 (BSE-949 | NSE-06769 | MSEI-1014 | MCX-56185 | NCDEX-1252), CDSL & NSDL: IN-DP-437-2019. *Research Analyst - INH000000834. PMS: INP000000282 is Registered under "Anand Rathi Advisors Limited" | MBD-INM000010478 is Registered under "Anand Rathi Advisors Limited"| NBFC is Registered under "Anand Rathi Global Finance Limited" Regn. No.: B-13.01682 | Insurance is Registered under "Anand Rathi Insurance Brokers Ltd." License No. 175. Insurance Corporate Agent: CA1048 (This registration shall be valid from 04-Jun-2025 to 03-Jun-2028).
Anand Rathi International Ventures (IFSC) Private Limited.
SEBI Registration No.: INZ000292939 (INDIA INX Member Code: TM - 5064 | NSE IX Member Code: TM -10048, IIBX Member Code: TM – 2011), IIDI DP ID 350071 AND Registration No.: IFSCA/DP/2022-23/007, IFSCA/CMI/Distributor/2023-24/0002. CIN No.: U65999GJ2016PTC094915. For any complaints email at Ifscgrievance@rathi.com. Regulator: International Financial Services Centres Authority (IFSCA)- https://www.ifsca.gov.in/
Disclaimer:
Equity: Investment in securities market are subject to market risks, read all the related documents carefully before investing.
The securities are quoted as an example and not as a recommendation.
Mutual Funds: Mutual Fund investments are subject to market risks, read all scheme related documents carefully before Investing. AMFI-Registered Mutual Fund Distributor: ARN-4478 (Initial Registration 4th Feb, 2003 & Valid From 2nd April, 2025 - 1st April, 2028) : Anand Rathi Share and Stock Brokers Ltd. | ARN-111569: Anand Rathi Wealth Limited | ARN-100284: AR Digital Wealth Private Limited.
IPO: Opening of account will not guarantee allotment of shares in IPO. Investors are requested to do their own due diligence before investing in any IPO.
*Third Party products: All third-party products like PMS, Mutual Funds, Fixed Income Products, IBS, Bonds, AIFs are not Exchange traded product and "ARSSBL" is just acting as distributor. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism.
MTF: MTF is subject to the provisions of SEBI Cir. CIR/MRD/DP/54/2017 dt June 13, 2017 & terms and conditions mentioned in rights and obligations statement issued by the ARSSBL
Investment Baskets: Baskets are not Exchange traded product, all disputes with respect to this activity, would not have access to Exchange investor redressal forum or Arbitration mechanism.
Research Analyst: The views expressed in this website accurately reflect the personal views of the analyst(s) about the subject securities or issuers and no part of the compensation of the research analyst(s) was, is, or will be directly or indirectly related to the specific recommendations or views expressed by the research analyst(s). The advertisment are bound by stringent internal regulations and also legal and statutory requirements of the Securities and Exchange Board of India (hereinafter "SEBI").
Certification: Registration granted by SEBI and certification from NISM is in no way a guarantee of performance of the intermediary or provides any assurance of returns to investors.
*Award Winning Research: Anand Rathi Share and Stock Brokers Limited (Research Analyst) was awarded as "Best Equity Advisor" at World BFSI Congress & Awards 2022
*Client Data: Client data shown on this website is as on 31st March 2025
Trading View: Anand Rathi has partnered with TradingView for its charting technology. A global platform offering heatmaps, STOCK SCREENERS and market data.
Attention Investors:
- For all communication related to vulnerability reporting, security alerts, or any other suspicious activity related to cyber security, contact priyanksheth@rathi.com/+91-22-62811514"
- For any complaints email at grievance@rathi.com, For DP related queries/complaints email at dp@rathi.com
- Filing of complaints on SCORES – Easy & quick a. Register on SCORES portal b. Mandatory details for filing complaints on SCORES: I. Name, PAN, Address, Mobile Number, Email ID c. Benefits: I. Effective communication ii. Speedy redressal of the grievances.
- Stock Brokers can accept securities as margin from clients only by way of pledge in the depository system w.e.f. September 1, 2020.
- Update your mobile number & email Id with your stock broker/depository participant and receive OTP directly from depository on your email id and/or mobile number to create pledge.
- Pay 20% upfront margin of the transaction value to trade in cash market segment.
- Investors may please refer to the Exchange's Frequently Asked Questions (FAQs) issued vide circular reference NSE/INSP/45191 dated July 31, 2020 and NSE/INSP/45534 and BSE vide notice no. 20200731-7 dated July 31, 2020 and 20200831-45 dated August 31, 2020 dated August 31, 2020 and other guidelines issued from time to time in this regard
- Check your Securities /MF/ Bonds in the consolidated account statement issued by NSDL/CDSL every month.
IPO Disclosure:
Anand Rathi Share and Stock Brokers Limited is proposing, subject to receipt of requisite approvals, market conditions and other considerations, to make an initial public offer of its equity shares and has filed a draft red herring prospectus (DRHP) with the Securities and Exchange Board of India (SEBI). The DRHP is available on the website of SEBI at www.sebi.gov.in as well as on the websites of the Book Running Lead Managers, Nuvama Wealth Management Limited at www.nuvama.com, DAM Capital Advisors Limited at www.damcapital.in, and Anand Rathi Advisors Limited at www.anandrathiib.com, the websites of the stock exchange(s) at www.nseindia.com and www.bseindia.com, respectively. Any potential investor should note that investment in equity shares involves a high degree of risk and for details relating to such risk, see 'Risk Factors' of the DRHP. Potential investors should not rely on the DRHP for any investment decision.