Mutual Fund Calculator
Project returns from any mutual fund. Estimate the future value of a mutual fund investment and see the split between capital and returns.
About the Mutual Fund Calculator
This mutual fund calculator projects what an investment could be worth at the end of your holding period, using annual compounding. It works for any scheme category - equity, hybrid, debt or index - because the difference between them is the return you enter, not the arithmetic. For monthly investing instead of a one-time amount, use the SIP calculator.
Mutual fund growth formula
FV = PV x (1 + r)^n
- FV
- Value at the end of the holding period
- PV
- Amount invested
- r
- Expected annual return (as a decimal)
- n
- Holding period in years
Mutual fund NAVs already sit net of the expense ratio, so enter the return you expect to actually receive.
Using this calculator
- Enter the amount you are investing.
- Set the annual return you expect from that fund category.
- Choose your holding period.
- Read the projected value and the share contributed by returns.
Mutual Fund Calculator FAQs
How are mutual fund returns calculated?
Returns come from the change in Net Asset Value (NAV) over your holding period, plus any payouts. For periods beyond a year, returns are normally annualised as CAGR so that investments of different lengths can be compared fairly.
What is the difference between absolute return and CAGR?
Absolute return is the total percentage gain regardless of time. CAGR converts that into a smoothed annual rate, which is the only fair way to compare a three-year investment with a ten-year one.
Does the expense ratio affect these results?
Indirectly. A fund's expense ratio is deducted before its NAV is published, so the return you observe is already net of costs. Enter the net return you expect and no further adjustment is needed.
Which mutual fund category should I choose?
Match the category to your time horizon. Equity funds suit goals more than five to seven years away, hybrid funds sit in between, and debt or liquid funds suit money you may need within a couple of years.
Are mutual funds safe?
They are regulated and transparent, but not capital-protected. Every category carries market risk, and equity funds in particular can fall sharply over short periods. This calculator projects one scenario, not a guaranteed outcome.
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Important: this calculator provides general information and arithmetic only. It is not personal financial, tax or investment advice. Projected returns are illustrations based on the rate you enter, not guarantees, and market-linked investments can fall in value. Verify current tax rates and scheme terms before acting, and consult a qualified adviser where the decision matters.