Mutual Fund Returns Calculator
Estimate mutual fund returns for a one-time investment or a monthly SIP — amount, expected return and tenure in, invested value, returns and total corpus out.
Year-wise growth
| Year | Invested | Value at year end |
|---|---|---|
| 1 | ₹50,000 | ₹56,000 |
| 2 | ₹50,000 | ₹62,720 |
| 3 | ₹50,000 | ₹70,246 |
| 4 | ₹50,000 | ₹78,676 |
| 5 | ₹50,000 | ₹88,117 |
What does this calculator do?
It projects what a mutual fund investment could grow to — either a one-time lumpsum or a monthly SIP — at an expected rate of return you choose. The expected return is an assumption you control, not a promise: mutual fund returns are market-linked, and no projection here is guaranteed.
Enter the amount, the expected annual return and the period, and the calculator returns the invested amount, expected returns and total value, with a year-wise growth table. An optional inflation toggle restates the final corpus in today's purchasing power, which is the number that actually matters for a goal years away.
The lumpsum growth formula
FV = P × (1 + r)^t
- FV — the future value of the investment
- P — the one-time amount you invest
- r — the expected annual return as a decimal (12% = 0.12)
- t — the holding period in years
In SIP mode the calculator switches to the monthly annuity-due formula — each instalment compounds for the months it is actually invested. Quarterly and yearly SIP frequencies use the same logic at their own intervals.
How to use this calculator
- Choose Lumpsum for a one-time investment or SIP for a recurring one — the amount label switches with the mode.
- Enter the amount (₹500 to ₹1 crore).
- Set the expected return. Diversified equity funds have historically delivered 10-14% a year over long periods; 12% is a common planning assumption. Past performance does not guarantee future returns.
- Set the time period — years, months and even days, up to 40 years.
- In SIP mode, pick the SIP frequency: monthly, quarterly or yearly.
- Optionally switch on adjust for inflation (5%, 6% or 7%) to see the corpus in today's rupees.
A worked example
₹1,00,000 lumpsum at 12% p.a. for 10 years:
- Invested amount: ₹1,00,000
- Expected returns: ₹2,10,584.82
- Total value: ₹3,10,584.82
More than two-thirds of the final value is growth, not principal. The same engine in SIP mode: ₹15,000 a month at 15% for 15 years builds a corpus of ₹1,01,52,946 on ₹27,00,000 invested.
How mutual fund gains are taxed
Tax is due only when you sell. For equity funds (65%+ in Indian equities), gains on units held longer than 12 months are long-term: for FY 2025-26 they are taxed at 12.5% on the amount above ₹1.25 lakh a year. Short-term equity gains are taxed at 20%. These rates apply to sales on or after 23 July 2024.
Debt funds bought on or after 1 April 2023 are taxed at your slab rate regardless of holding period. Every sale belongs in the capital gains schedule of your ITR — EasyTax picks the right form and schedule for you when you file.
Be conservative. Diversified equity funds have historically returned 10-14% a year over 10-year-plus periods, but with deep drawdowns along the way; 12% is a common planning figure and 10% is safer. For debt funds, 6-8% is more realistic. Test your goal at more than one rate before committing.
It deflates the projected corpus back to today's purchasing power at the rate you pick (5%, 6% or 7%). A ₹1 crore corpus 20 years away buys far less than ₹1 crore does today — the inflation-adjusted figure is the honest one to plan around.
A lumpsum puts the whole amount to work immediately but concentrates all your timing risk in one day. A SIP spreads that risk and matches how salary arrives. If you already hold a large sum, even splitting it into 6-12 instalments is a reasonable middle path.
No. Enter an expected return net of the fund's expense ratio (published NAVs are already net of it). Exit loads and taxes are not modelled — treat the output as a pre-tax projection.
Equity funds: long-term gains (held over 12 months) above ₹1.25 lakh a year at 12.5%; short-term gains at 20% (FY 2025-26 rates). Debt funds bought after 1 April 2023: slab rate. Gains are reported in the capital gains schedule of your ITR.