Mutual Fund Calculator

Calculate mutual fund returns, SIP investments, and analyze fund performance. Plan your investment strategy with detailed projections, expense analysis, and portfolio optimization.

✓ SIP & Lump Sum ✓ Expense Analysis ✓ Tax Calculation

Mutual Fund Calculator

Investment Type

Investment Details

One-time lump sum investment

Regular monthly investment

Investment duration

Fund Performance

Historical average return

Annual fund management fee

Early exit penalty

Annual SIP increment

Capital gains tax rate

Expected inflation

Investment Formulas

Mutual fund calculation methods

Formulas:

SIP: FV = PMT × [((1+r)^n - 1) / r] × (1+r)
Lump Sum: FV = PV × (1+r)^n
Where: FV = Future Value, PMT = Payment, r = Rate, n = Periods

Investment Examples

Conservative SIP
Low risk, steady returns
Aggressive Growth
High return potential
Balanced Portfolio
Mixed investment approach

Fund Categories

Equity: 10-15% returns
Debt: 6-9% returns
Hybrid: 8-12% returns
Index: 10-12% returns

Investment Tips

💡 Start Early: Power of compounding
📈 Stay Invested: Long-term wealth creation
🎯 Diversify: Spread investment risk
📊 Review Regularly: Monitor performance
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Understanding Mutual Funds

Mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities, managed by professional fund managers.

  • Professional Management: Expert fund managers make investment decisions
  • Diversification: Spread risk across multiple securities
  • Liquidity: Easy to buy and sell fund units
  • Affordability: Start investing with small amounts

SIP vs Lump Sum

SIP (Systematic Investment Plan)

Regular investments help average out market volatility and build discipline.

Lump Sum Investment

One-time investment that can benefit from immediate market exposure.

Key Considerations

Consider expense ratios, fund performance, and your risk tolerance.

Tax Implications

Understand LTCG and STCG tax rates for different fund types.