Mutual Fund Return Calculator
Project mutual fund returns for either a lump sum or a monthly SIP — maturity value, absolute return, annualized return and the effect of the expense ratio.
Inputs
Report details (optional — appears on the PDF report)
Results
Formula
- i = monthly return based on the net rate (expected return − expense ratio)
- n = number of months · P = lump sum or monthly instalment
- Absolute return = (FV − invested) / invested × 100
How It Works
Choose lump sum for a one-time purchase or SIP for monthly instalments — the calculator switches formulas automatically. A lump sum compounds for the entire period; SIP instalments each compound for the months remaining after they are invested.
If you enter an expense ratio, it is deducted from the expected return first, so the projection reflects the net return an investor actually receives.
Worked Example
Given: Lump sum ₹100,000, expected return 12% p.a., 5 years, expense ratio 1%
Net return = 12 − 1 = 11% p.a. · i = 0.009167 · n = 60
FV = 100,000 × (1.009167)60 ≈ ₹172,800
Gains ≈ ₹72,800 · Absolute return ≈ 72.8%
Engineering Notes
- Published fund returns are usually already net of expense ratio — only enter it if your rate is gross.
- Exit loads, stamp duty and capital gains tax are not deducted.
- Actual fund NAV movement is uneven; a constant rate is a planning simplification.
- Past performance of any fund does not guarantee these returns.
FAQ
Lump sum or SIP — which grows more?
For the same total amount, a lump sum invested early usually grows more, but a SIP reduces timing risk.
Should I enter the expense ratio?
Only if your expected return figure is before costs; most published returns are already net.
Absolute return vs CAGR?
Absolute is the total gain over the whole period; CAGR is the per-year compounded rate.
Related Calculators
This calculator uses established formulas and standard calculation methods to provide reliable results for planning, estimation and reference.