Disclaimer The calculator alone is not sufficient and shouldn't be used for the development or implementation of an investment strategy. This tool is created to explain basic financial / investment related concepts to investors. The tool is created for helping the investor take an informed investment decision and is not an investment process in itself. Bajaj Finserv AMC has tied up with AdvisorKhoj for integrating the calculator to the website. Mutual Fund does not provide guaranteed returns. Also, there is no assurance about the accuracy of the calculator. Past performance may or may not be sustained in future, and the same may not provide a basis for comparison with other investments. Investors are advised to seek professional advice from financial, tax and legal advisor before investing in mutual funds.
Other Calculators
View All
EXPLORE OUR FUNDS
All Mutual Funds
RELATED VIDEOS
MORE ABOUT MUTUAL FUND RETURNS CALCULATOR
A mutual fund return calculator is an online tool designed to help investors estimate the potential value of their mutual fund investments over a chosen time horizon. Based on your initial investment amount (or principal), expected return rate and investment period, the mf return calculator projects your potential corpus size and the returns earned at the end of your tenure. In this way, it may simplify financial planning and give an indication of how your investments may grow over time.
Investors can use this mutual fund calculator online to compare different schemes or assess the impact of varying investment amounts and durations. However, investors must note that the calculator’s estimates are based on their inputs and actual returns may or may not be along expected lines.
A mutual fund return calculator is an online tool that estimates potential returns on your investment based on your investment amount, tenure, and expected returns.
The calculator works by applying the compound interest formula. You simply input three values: your initial amount, the expected annual return rate, and your investment horizon (in years). The mutual fund return estimator then calculates the total value your investment may grow to at the end of the term, as well as the returns earned.
For example, if you invest Rs 1,00,00 for 10 years in an equity scheme where you expect to earn 12% returns annually, the tool will project a corpus of Rs. 3,10, 585 by the end of your tenure (meaning you have earned Rs 2,10,585 as returns).
There are two main ways of investing in mutual funds: lumpsum and Systematic Investment Plan (SIP). A lumpsum is a one-time large investment in a mutual fund scheme. An SIP involves investing a fixed amount at regular intervals – daily, weekly, monthly, quarterly etc.
This mutual fund return calculator is for lumpsum investments. If investing in SIP, you may use Bajaj Finserv AMC’s free online SIP calculator. Given below is a comparison of lumpsum vs SIP.
The calculator is an aid, not a prediction tool. It may provide only an indicative picture.
| Factor | SIP | Lumpsum |
|---|---|---|
| Investment approach | Invest a fixed amount at regular intervals. | Invest the entire amount at once. |
| Impact of NAV fluctuation | Spreads purchases across market levels, helping average out cost. | Purchase happens at a single NAV, fully exposed to that market level. |
| Investment amount & flexibility | Lower entry amount; flexible to increase, decrease, or pause. | Requires a larger one-time amount; limited flexibility after investing. |
Using a mutual fund calculator online can be beneficial in the following ways:
-
Goal planning – Helps estimate how much your investment may grow over time towards a specific financial target.
-
Comparison tool – Allows you to compare returns across multiple fund categories before investing.
-
Customisation – You can adjust inputs like tenure or return rate to test different scenarios.
-
Quick results – Saves time and effort by instantly showing potential corpus and returns.
Note: The calculator’s estimates are for illustration purposes only and there is no assurance that returns will be along projected lines.
While the mf calculator gives you instant estimates, if you want to understand how to calculate mutual fund return, you can see the mutual fund return formula. The formula for this calculator is based on the compound interest formula.
A=P×(1+r)nA = P \times (1 + r)^nA=P×(1+r)n
Where:
-
A = Maturity Amount (Estimated Corpus)
-
P = Initial Investment (Principal)
-
r = Expected annual rate of return (in decimal)
-
n = Investment horizon in years
The mutual fund return calculation process involves applying this formula to show how your investment may grow if returns are compounded annually.
You can calculate mutual fund returns with this tool with a few simple steps:
- Enter the initial amount accurately: This is the lumpsum you are willing to invest at the start. Set a realistic figure based on your available capital and goal.
- Select a realistic expected return rate: Consider the fund category while inputting your expected returns. For example, the potential return rate from a debt fund may not be as high as that of an equity fund.
- Set your horizon – Choose the investment period based on your financial goals.
- Review output – Check both corpus and returns to align with your target amount.
- Test different scenarios – Adjust tenure or return rates to plan for best and worst cases.
The benefits of this online mutual fund calculator are as follows:
-
Time efficiency
Calculates estimated returns instantly, eliminating manual computations.
-
Goal alignment
Helps match investments to long-term financial objectives.
-
Easy comparisons
Enables quick comparison between different mutual fund options.
-
Flexible planning
Allows adjustments in tenure, amount, or return rate to test various before committing.
Investing in mutual funds involves putting your money into a professionally managed vehicle that invests across assets like equity, debt, or a mix of both. To get started, you can assess your financial goals and risk appetite, choose the type of mutual fund that aligns with your needs, and complete a simple KYC process. Once you create an account with a fund house or investment platform, you can begin investing either with a lumpsum amount or a Systematic Investment Plan (SIP). Mutual funds offer diversification and are managed by professionals, but it is important to review your investments periodically and ensure they remain aligned with your financial objectives.
Here are the key factors affecting mutual fund returns:
- Market conditions: The overall economic and market environment—including interest rates, inflation, liquidity, and investor sentiment—leads to regular ups and downs in the market
- Asset allocation: The proportion invested across equities, debt, and cash determines return potential and volatility.
- Fund manager’s strategy: Decisions on security selection, timing, and portfolio construction influence outcomes.
- Expense ratio: Higher costs reduce net returns over time.
- Investment horizon: Longer horizons may help smooth short-term market volatility.
FAQs
The mf calculator uses the compound interest formula to project your corpus based on initial investment, expected return rate, and horizon.
Yes, this and most online mutual fund calculators in India are free for public use.
Direct plans have lower expense ratios, potentially resulting in higher net returns than regular plans over time. However, regular plans give investors the assistance of a distributor in fund selection, application, redemptions etc.
Yes, you can set any horizon from one year to 30 years on the mutual fund amount calculator.
No, it only provides estimates based on your inputs and expected returns; actual returns depend on market conditions.
This is a crucial metric because the size of the projected final corpus depends on the expected rate of return that you enter. However, actual returns will depend on market conditions.
It varies by scheme; some allow investments starting from Rs. 500 generally.
Yes, during market downturns or for other reasons, the fund value may drop below your invested amount.
As of now, there are more than a thousand schemes across equity, debt, and hybrid categories.
The final value can differ based on the scheme and market movements. You can check possible outcomes by entering your details in mutual fund return calculator, which can help calculate mutual funds returns for different assumptions.
The amount needed varies as mutual fund returns are not guaranteed. An mf return calculator can help you explore different estimates and calculate mutual funds returns based on the inputs you choose.
You generally need to enter basic information such as your investment amount, tenure, and an assumed rate of return. A mutual fund return calculator then uses these inputs to calculate mutual funds returns.
There is no fixed requirement, and the amount differs for every investor. You may use an mf return calculator to explore different scenarios and calculate mutual funds returns based on your preferred investment amount and timeline.
SIP returns can be viewed using online tools. An mf calculator allows you to enter your SIP amount, duration, and an assumed return rate to calculate mutual funds returns under various scenarios.
Home
Contact Us
Login
Downloads
Schemes