How are mutual fund returns calculated?

Mutual fund returns depend on NAV growth and dividends. This calculator uses an assumed annual return to estimate future value for SIP or lump sum. Actual returns vary.

SIP vs lump sum in mutual funds?

SIP invests regularly (e.g. monthly); lump sum invests once. Use our SIP calculator for regular investing and lump sum calculator for one-time investment. Both use compound growth.

What return should I assume?

Historical equity fund returns have often been 10–15% per annum over long periods; debt funds lower. Use a conservative estimate. Past performance does not guarantee future results.

Mutual Fund Calculator

Free mutual fund calculator. Get instant results — no signup, no account. Plan and compare with confidence.

Use the Mutual Fund Calculator below.

Estimate mutual fund returns for SIP (regular investment) or lump sum. Enter amount, expected return, and tenure. Free mutual fund calculator for USA and worldwide.

Comment utiliser Mutual Fund Calculator

Choose type
Select SIP (regular) or lump sum.
Enter amount and return
Input investment amount(s) and expected annual return.
View results
See estimated maturity value and growth.

Fonctionnalités

Instant results — no waiting or signup.
Free to use — no hidden fees.
No login or account required.
Works on all devices — desktop, tablet, and mobile.
Your data stays private — we do not store your inputs.

Pourquoi utiliser cette calculatrice

Plan your finances with accurate estimates.
Compare scenarios in seconds.
Make informed decisions before you borrow or invest.

Navigateurs et appareils pris en charge

All modern browsers (Chrome, Firefox, Safari, Edge).
Mobile-friendly — use on phone or tablet.
No app download — runs in your browser.

Questions fréquentes

Guide complet de Mutual Fund Calculator

What is a mutual fund calculator?

A mutual fund calculator estimates the future value of your mutual fund investment based on the amount invested (lump sum and/or SIP), expected return, and time horizon. Returns are not guaranteed; use conservative assumptions. This tool helps you set goals and see how much you might need to invest to reach a target amount.

Factors that affect mutual fund returns

Asset class: Equity funds are more volatile; debt funds are more stable.
Expense ratio: Lower fees leave more return in your pocket.
Time horizon: Longer periods can smooth out volatility.
Market conditions: Past performance does not guarantee future results; use range of return assumptions.

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Avertissement

Nos calculatrices financières sont à titre informatif et éducatif uniquement. Les résultats sont des estimations. Elles ne constituent pas un conseil financier, fiscal ou juridique. Nous ne stockons ni ne partageons les nombres que vous saisissez.