Mutual Fund Returns Calculator

A mutual fund returns calculator takes your invested amount, an expected annual return and a duration, then compounds the money using Future value = P × (1 + r)^t. It shows the projected future value, the total return in money terms, the absolute return as a percentage and the CAGR. It assumes a steady annual return, so actual fund performance will differ year to year.

A lumpsum is a single one-time investment, so the whole amount compounds for the full period. A SIP (Systematic Investment Plan) spreads smaller amounts across many months, so each instalment compounds for a different length of time and benefits from rupee-cost averaging. This mf return calculator handles the lumpsum case; use our SIP calculator for monthly investing.

Returns depend entirely on the fund type. Equity mutual funds in India have historically delivered roughly 10 to 14% CAGR over long periods, debt funds far less, and hybrid funds in between. These are historical averages, not promises — mutual fund investments are subject to market risk, and past performance does not guarantee future returns.

CAGR is usually the better measure because it accounts for time, giving you a per-year growth rate you can compare across funds held for different durations. Absolute return only tells you the total percentage gain and can look impressive simply because the money was invested for many years. For lumpsum investments the CAGR equals your expected annual return.