Advanced Mutual Fund Calculator
Plan your wealth journey with AI-powered calculations, goal tracking, and intelligent insights
Investment Calculator
Goal Achievement Progress
Investment Breakdown
Growth Projection Over Time
Investment Breakdown
| Year | Yearly Investment | Investment Growth | Interest Earned | Closing Balance |
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SIP Investment
Lumpsum Investment
Cost of Delay
Goal Achievement Analysis
📖 About Mutual Fund Calculator (SIP & Lumpsum)
A Mutual Fund Calculator is a powerful tool that helps you estimate the future value of your investments. Our Advanced Mutual Fund SIP Calculator and Lumpsum Calculator provide accurate projections by considering inflation, expected return rate, investment tenure, and tax implications.
📊 SIP & Lumpsum Growth
Whether you invest through a Systematic Investment Plan (SIP) or prefer a Lumpsum investment, this calculator shows how compounding helps your money grow. Even small SIPs can create wealth over time.
🎯 Goal Planning
The calculator works like a Mutual Fund Return Calculator and helps you plan for goals like retirement, education, or buying a home with realistic projections.
📈 Advanced Features
With features like goal tracking, SIP top-up, and inflation-adjusted results, you get a complete picture of your financial journey.
🏦 Fund-Specific Estimates
Useful for investors looking for quick results with tools like SBI Mutual Fund Calculator or HDFC Mutual Fund Calculator.
🛠️ How to Use Mutual Fund Calculator Online (SIP & Lumpsum)
Our Mutual Fund Calculator is designed to be simple yet powerful.
Whether you are using the SIP calculator with inflation or Lumpsum calculator, follow these steps to explore how your wealth grows with time:
1️⃣ Select Investment Type
Choose SIP (monthly investment) or Lumpsum (one-time investment) from the toggle option.
2️⃣ Enter Investment Amount
Use the input box or drag the interactive slider to set your SIP or lumpsum value.
3️⃣ Set Return Rate & Tenure
Enter expected annual return rate (8–15% typically) and select your investment duration in years.
4️⃣ Add Advanced Options
For realistic planning, add SIP Top-Up %, Inflation Rate, or a Target Goal.
5️⃣ Analyze Results
View Goal Achievement Progress, Investment vs Growth Pie Chart, and Growth Projection Graph instantly.
6️⃣ Check Detailed Reports
Explore the Yearly Breakdown Table, Cost of Delay analysis, and download your investment report for records.
Our calculator not only acts as a mutual fund return calculator but also helps compare SIP vs Lumpsum investments side by side. This makes it easy for you to choose the best strategy for wealth creation.
How to Calculate NAV of a Mutual Fund (With Example)
Goal-Based Planning
Set your financial goals like retirement, child’s education, or buying a house. The calculator tracks your progress and shows you how close you are to achieving them.
SIP vs Lumpsum Comparison
Compare SIP calculator and Lumpsum calculator side-by-side. Instantly see which investment strategy gives better returns for your situation.
SIP Top-up Feature
Add an annual top-up to your SIP and watch how compounding + incremental investment accelerates wealth creation.
Cost of Delay Analysis
Find out how much wealth you lose by delaying investments. A powerful motivator to start investing early.
Inflation & Tax Adjusted
Unlike basic tools, this calculator includes inflation and tax impact to give you more realistic results.
Downloadable Reports
Download detailed mutual fund return analysis reports in one click for future planning or sharing with advisors.
How to Calculate NAV of a Mutual Fund (With Example)
The Net Asset Value (NAV) of a mutual fund tells you the per-unit value of your investment. In simple terms, it represents what one unit of the fund is worth after considering all its assets and expenses. Since markets move daily, the NAV also gets updated every market day.
📌 NAV Calculation Formula
NAV = (Total Value of Securities − Fund Liabilities) ÷ Number of Units Outstanding
🔍 Practical Example
- Market Value of Portfolio = ₹50 Crore
- Expenses & Liabilities = ₹5 Crore
- Units Issued to Investors = 2 Crore
Step-by-Step Calculation:
NAV = (50 − 5) ÷ 2 = ₹22.5 per unit
So, if you put ₹10,000 into this fund, you would receive around 444 units (10,000 ÷ 22.5). This helps you understand how your money is converted into mutual fund units based on the NAV.
How to Calculate Mutual Fund Returns: SIP & Lumpsum
Mutual fund returns can be calculated in two ways — SIP (Systematic Investment Plan) and Lumpsum.
SIP is ideal for regular monthly investors, while Lumpsum suits those with a large one-time amount. Let’s see how to calculate both.
1. SIP Return Calculation
In a SIP, you put in a fixed amount every month, and the returns are worked out with the Future Value of SIP formula.
📌 Formula for SIP:
FV = P × ((1 + r/n)nt - 1) ÷ (r/n) × (1 + r/n)
Where: P = Monthly Investment, r = Expected Annual Return Rate, n = 12 (monthly), t = Tenure in years
Example: ₹5,000/month for 10 years at 12% CAGR → ≈ ₹11.6 lakh.
2. Lumpsum Return Calculation
In a lumpsum investment, your money grows with the help of the compound interest formula:
📌 Formula for Lumpsum:
FV = P × (1 + r/n)nt
Where: P = Initial Investment, r = Annual Return Rate, n = Compounding frequency, t = Tenure in years
Example: ₹4,00,000 one-time for 10 years at 12% CAGR → ≈ ₹12.4 lakh.
📊 SIP vs Lumpsum: Which is Better?
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SIP
Best for Salaried Individuals
Disciplined investing with rupee-cost averaging. Great for long-term wealth creation.
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Lump
Best for Large Funds
One-time investment grows faster due to compounding. Suits investors with high risk appetite.
How to Calculate Tax on Mutual Fund Redemption
When you sell or redeem your mutual fund units, the profit you earn is called capital gain. The tax you pay depends on the type of mutual fund and holding period.
Let’s break it down step by step in simple terms so you can easily understand how taxes are calculated.
Short-Term Capital Gains (STCG)
If you sell equity mutual funds before 12 months, profits are taxed at a flat 15%.
For debt mutual funds, if sold before 36 months, gains are added to your income and taxed as per your income tax slab.
Long-Term Capital Gains (LTCG)
If you hold equity funds for more than 1 year, you get a ₹1 lakh exemption per financial year.
Gains above ₹1 lakh are taxed at 10% (without indexation).
For debt funds redeemed after 3 years, the gains are taxed at 20% with indexation benefits, which lowers your taxable amount.
Formula to Calculate Capital Gain
Capital Gain = Redemption Value – Purchase Value – Expenses (if any)
Once you know your capital gain, apply the tax rate based on fund type and holding period.
Example
Suppose you invested ₹4,00,000 in an equity mutual fund and redeemed it after 2 years for ₹6,20,000.
- Capital Gain = ₹6,20,000 – ₹4,00,000 = ₹2,20,000
- ₹1,00,000 is exempt under LTCG rules.
- Taxable Gain = ₹1,20,000 → Tax @ 10% = ₹12,000
By following these steps, you can easily estimate your mutual fund redemption tax before withdrawing your investment. This helps in better financial planning and avoids unexpected tax surprises.
How to Calculate Capital Gains on Mutual Funds
Capital gains in mutual funds arise when you redeem your investment at a higher NAV than the purchase NAV. These gains are categorized as STCG Short-Term Capital Gains (STCG) apply if equity mutual funds are sold within 12 months (taxed at 15%). and LTCG Long-Term Capital Gains (LTCG) apply if equity mutual funds are sold after 12 months (10% tax on gains above ₹1 lakh). .
Formula:
Capital Gain = Redemption Value – Purchase Value – Indexation Benefit (for debt funds)
Example (Equity Fund):
- Purchase: ₹1,00,000 (Jan 2022)
- Redemption: ₹1,50,000 (Feb 2024)
- Holding Period: 2 years → LTCG
- Capital Gain = ₹50,000
- Tax = Nil (because gain is under ₹1 lakh exemption limit)
Understanding Expense Ratio in Mutual Funds
The Expense Ratio Expense Ratio is the annual fee (as % of AUM) charged by fund houses to manage the scheme. directly affects your net returns, as it is deducted from the fund’s assets daily.
Formula:
Net Return = Gross Return – Expense Ratio
Example:
- Fund’s Gross Return: 12% per year
- Expense Ratio: 1.5%
- Net Return = 12% – 1.5% = 10.5%
- On ₹2,00,000 investment → Net Gain = ₹21,000 (instead of ₹24,000)