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 Mutual Fund Calculator
Mutual funds are a great choice to meet any of your investment goals. Use ET Money mutual fund returns calculator to find the capital gain as well as the maturity amount of your mutual fund investments.
Calculate the future value of your mutual fund investment
 Monthly SIP
 Lumpsum
Five thousand only
years
 Yearly
 Quarterly
 Monthly
%
 Aggressive
 Conservative
 Balanced
 Custom
This might give you 12% returns
What you get:
Total invested Interest earned
Total invested Gains
What you get:
Add ₹5,000 more to earn ₹1.75 Lacs extra See how
Amount Tenure
 ₹5,000
 ₹10000
 ₹15000
 ₹20000
 5 Yr
 7 Yr
 9 Yr
 11 Yr
Adjust for Inflation
Assumed inflation @
 4%
 6%
 8%
Total Invested  Gains  Future value 

₹3 Lacs  ₹1.12 Lacs  ₹4.12 Lacs 
Top funds to fulfill your investment strategy
Top funds to fulfill your investment strategy
Calculate the future value of your mutual fund investment
 Monthly SIP
 Lumpsum
Fifty thousand only
years
 Yearly
 Quarterly
 Monthly
%
 Aggressive
 Conservative
 Balanced
 Custom
This might give you 12% returns
What you get:
Total invested Interest earned
Total invested Gains
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What you get:
Add ₹50,000 more to earn ₹1.75 Lacs extra See how
Amount Tenure
 ₹50k
 ₹1 Lac
 ₹1.5 Lacs
 ₹2 Lacs
 5 Yr
 7 Yr
 9 Yr
 11 Yr
Adjust target amount for Inflation?
Inflation @
 4%
 6%
 8%
Total Invested  Gains  Future value 

₹50,000  ₹38,117  ₹88,118 
Top funds to fulfill your investment strategy
Top funds to fulfill your investment strategy
0.0
Avg. app ratings
1 Cr+ downloads
1000 Cr+
Investment
Managed
0 Cr+
Monthly Mutual
Fund investment
0.00
Avg. app ratings, 1 Cr+ downloads
1000 Cr+
Investment Managed
0 Cr+
Monthly MF investment
All you need to know about Mutual Fund Calculators
What is a Mutual Fund Calculator?
A mutual fund calculator is an online tool that helps investors calculate their returns and the future value of an investment based on a certain investment strategy. Since mutual fund investors should ideally take a goaloriented approach for their investments, a mutual fund investment calculator in India can help them understand how far they’ll achieve their goals based on the planned amount of investment, time horizon, and rate of return.
How Does a Mutual Fund Total Return Calculator Work?
A Mutual Fund Calculator online helps you in estimating return of your mutual funds investments. It can calculate your return for both investment methods: SIP and Lumpsum. So, how does it work?
It works on a simple algorithm, wherein you just have to enter some information, and it will calculate your return within a few seconds.
To estimate the return using the calculator, you must enter three variables: your investment amount (SIP or Lumpsum), investment period, and investment strategy.
For investment strategy, you can choose from 4 investment strategies Aggressive (Expected return 12%), Conservative (Expected return 6%), Balanced (Expected return 8%), and customised. Under the customised investment strategy option, you can enter your own expected rate of return.
After entering all these variables, the mutual funds return calculator shows the estimated future value of your investments, along with the bifurcation of the total amount invested and the gains.
How to use the ET Money Mutual Fund Returns Calculator Online?
The ET Money mutual fund calculator is a threestep process that makes mutual fund return calculation a breeze. When you use a mutual fund calculator online, you’re faced with a range of questions. For new investors trying to use any other Mutual Funds investment calculator in India, this can be quite overwhelming. This is why the ET Money calculator has a streamlined design that helps investors with mutual fund investment return calculation in three easy steps.
Step 1: Choose Your Investment Method
Choose between a lump sum or SIP calculation from the topright corner.
Step 2: Enter Investment Amount
Enter the amount you wish to invest (or the monthly contribution if you chose SIP), the number of years you intend to hold the investment for (or continue SIP contributions), and the investment strategy.
Step 3: Select Your Investment Strategy
Choosing the investment strategy on the calculator eliminates the need to estimate a rate of return because the algorithm does it based on the strategy’s risk profile. For instance, aggressive strategies typically deliver higher returns than conservative strategies because they come with greater risk. If you prefer, you also have the option to enter a custom rate by selecting Custom from the dropdown menu.
You’ll now see your investment’s growth in the form of a bar chart over several time frames. On the right, you’ll get an overview of the total investment, total gains, and the future value of your investment.
As you keep changing any variable in the MF return calculator, the chart at the bottom and the overview will change automatically. You’ll also see some of the best mutual funds at the right of the calculator based on your investment strategy. If you happen to be interested in any of those funds, use the “Invest Now” button, and invest in Mutual Funds using the SIP or lump sum investment route in minutes.
Mutual Fund Calculation Formula
To calculate mutual fund returns manually, you need to know the mutual fund return calculation formula. It’s always much easier (and faster) to use the ET Money mutual funds return calculator online. This is particularly true when you’re trying to compare returns from your mutual fund investment generated using either a lump sum or SIP strategy.
Even if you choose to use the Online Mutual Fund calculator, it’s helpful to know the formula that is used to calculate the returns on mutual funds that you can receive from your investments. Following are the mutual fund calculation formulas.
Lumpsum investment  SIP Investment 

M = P x (1+R)^n  M = A [ (1 + i)n – 1] x (1 + i)/i 
Where:  Where: Note: For daily/weekly SIPs, adjust i and n accordingly. 
You should know two things about both formulas.
First, the formula used in the lump sum formula is CAGR (compound annual growth rate) while the one used in the SIP formula is XIRR (Extended Internal Rate of Return). The reason is that CAGR works only for calculating returns on a pointtopoint basis. When there are multiple cash flows (like in the case of SIP), you need to use XIRR because the returns for each cash flow will differ. XIRR helps you calculate a single return percent for all cash flows and is, therefore, relevant to SIPs. If you are keen to learn more about this, click on XIRR and CAGR to know more.
It’s also worth noting that the based on the scheme you choose and whether you choose a direct or regular plan. The fund house will deduct their commission from your returns when you invest through the regular mode (i.e., through a broker, advisor, or distributor). Since a direct plan doesn’t involve an intermediary, you don’t pay any commission, which reduces the expense ratio and translates to relatively higher returns. Preferably, you’d want to go with a direct plan when choosing mutual fund schemes in India because you’ll end up with relatively higher returns.
For instance, let’s assume that the difference in the expense ratio between the direct and regular plan of a scheme is 0.75%. Following are the returns and the investment value calculated using the mutual funds calculator for direct vs regular plans:
Direct  Regular  

Inputs  Investment = ₹6 lakh  Investment = ₹6 lakh 
Expected return before expense ratio (p.a.) [A]  13%  13% 
Expense ratio [B]  1%  1.75% 
Expected return after expense ratio (p.a.) [A  B]  12%  11.25% 
Total returns (based on expected returns after expense ratio)  ₹12.64 lakh  ₹11.42 lakh 
Maturity value  ₹18.64 lakh  ₹17.42 lakh 
Note that by simply choosing to invest in a direct plan (i.e., without taking any additional risk), you’re able to increase your returns substantially. You can invest in a direct plan online with just a couple of steps through the ET Money website.
How Can a Mutual Funds Calculator Help You?
A mutual fund investment calculator is an incredible tool in your investment planning process as it helps you estimate the future value of your investment in a mutual fund. It uses various factors, such as the investment amount, period of investment, and the rate of return, to estimate the future value of your investment. You can use this estimate to ascertain whether it is sufficient to achieve your financial goals. It can be anything like buying a car or dream house, children's education, vacation, etc.
Apart from this, it also allows you to adjust the variables of the calculator, which can help you understand what combination of investment, rate of return, and holding period is required to achieve your targets.
Using the mutual fund returns calculator, you can calculate mutual fund returns for both SIP and lump sum modes to see how they compare. For instance, investing ₹5 lakh as a lump sum or investing the same amount over three years can generate different returns. Manually calculating them can consume a lot of time, while mutual fund return calculation with a calculator typically takes less than 30 seconds. Overall, a mutual fund calculator is valuable for making smart investment choices and planning for your financial future.
Advantages of Using Online Mutual Fund Calculator
Here are some advantages of using an online mutual fund calculator:
Easy to use: It is very easy to use, as you just have to enter three variables, investment amount, investment period, and investment strategy, to calculate your estimated return.
TimeSaving: Manual calculation of SIP or lumpsum return investment is a hectic and timeconsuming process. An online mutual funds calculator simplifies this process, and you can get your expected return in a couple of seconds.
Quick Comparisons: It gives you options to calculate return on both investment methods–SIP or lumpsum. You can compare the estimated return of both methods and take investment decisions accordingly. Also, you can check your estimated return by changing your investment amount, duration, and investment strategy, which helps in comparing multiple options.
Realistic Goal Setting: It gives you the estimated future value of your investment. You can set realistic financial goals using the mutual fund return calculator. It allows you to adjust investment duration and rate of return to align with their financial aspirations.
Free to use: You do not have to pay anything to use an online mutual fund calculator. It is free to use, and you can use it any number of times.
Benefits of ET Money Mutual Fund Calculator
Using a mutual fund investment calculator to estimate your maturity value is one of the easiest ways to find out whether your investment will help you reach your goal.
ET Money’s MF calculator is easy, simple, and quick to use.

Lumpsum vs SIP investment
ET Money Mutual Fund Returns Calculator gives you the option to calculate both lump sum and SIP investment values

Estimate Maturity or Investment Amount
You can use the mutual fund calculator in two ways: to estimate the final maturity value of monthly investments or to estimate your regular investment for a final goal.
Estimations will be computed within seconds. 
Compare investment returns
You can tweak the values such as investment amount, investment strategy (that determines rate of return), and duration to compare returns for different scenarios.

Easy investment planning
ET Money’s MF calculator can be accessed both on a computer and on your phone. The MF calculator can help you plan your investments with ease from the comfort of your home or while onthego