What is a mutual fund returns calculator?
A mutual fund returns calculator estimates how a one-time (lumpsum) mutual fund investment could grow over a chosen period at an assumed annual return. It answers the question: if I invest ₹X today at Y% return for Z years, what might my corpus be?
Mutual fund returns are subject to market risk and are never guaranteed. This tool uses a constant CAGR for the full tenure—a useful planning shortcut, not a forecast of actual NAV performance.
How can an MF returns calculator help you?
Whether you received a bonus, inheritance, or are comparing a one-time investment against SIP, a returns calculator gives you a quick baseline before diving into scheme factsheets.
- Estimate maturity value, total invested, and wealth gained for a lumpsum MF investment.
- Test how different return assumptions and tenures change the projected corpus.
- Compare one-time investing against monthly SIP using the <a href="/calculators/sip/">SIP calculator</a>.
How does this calculator work?
This tool applies standard annual compounding on your total investment: A = P × (1 + r)^t. There are no monthly cash flows—unlike SIP, which models periodic contributions.
A = P × (1 + r)^t
- A
- Maturity amount (total value)
- P
- Total investment (lumpsum)
- r
- Annual return as a decimal
- t
- Investment period in years
Example: ₹1,00,000 at 12% p.a. for 10 years → A ≈ ₹3,10,585
How to use this mutual fund returns calculator
Set total investment in rupees, expected annual return (p.a.), and time period in years. Results show invested amount, estimated returns, and total value.
For monthly investing, use the SIP calculator. For regular withdrawals from a corpus, try the SWP calculator.
What this calculator does not include
Expense ratio, exit load, STCG/LTCG tax, dividend reinvestment, and market volatility are not modeled. NAV-based actual returns will differ from a smooth CAGR projection.
Frequently asked questions
Is this the same as the lumpsum calculator?
Both use the same CAGR formula for a one-time investment. This page is tailored for mutual fund return planning; the lumpsum calculator covers the same math with a general investment framing.
Can I use this for SIP returns?
No. SIP involves monthly investments at changing NAVs. Use the SIP or step-up SIP calculator for recurring contributions.
Are the results guaranteed?
No. All figures are illustrative estimates. Past or projected performance is not a guarantee of future results.