Estimate future projects SIP or lumpsum growth at an assumed return, or reverse-solves for the investment needed to hit a goal. Past returns works backwards from what you invested and today’s value to show absolute return, CAGR and SIP XIRR.

In Estimate future, choose Target amount and enter the corpus you want, expected return and years. For Monthly SIP the results show the required monthly SIP (headline figure), required yearly investment (monthly × 12), total amount invested over the period, estimated returns and projected corpus. For Lumpsum, results show the one-time amount needed today plus returns and estimated corpus.

Absolute return = ((Current value − Amount invested) ÷ Amount invested) × 100. It shows total gain or loss without annualizing.

Compound Annual Growth Rate smooths returns over the holding period: ((Ending ÷ Beginning)^(1/years) − 1) × 100. Useful for comparing multi-year investments.

Extended Internal Rate of Return accounts for multiple investments on different dates. SIP past-returns mode uses monthly cash flows to compute annualized XIRR.

Estimate mode uses the same maths as those dedicated tools. Prefer the SIP or lumpsum pages when you want step-up SIPs or compounding frequency options; use this page when you want both projection and past-performance in one place.

No. Enter redemption value after exit load if applicable. Capital gains tax on equity or debt funds is not computed here.

Yes. Use total amount invested and current portfolio value from your consolidated account statement (CAS) from CAMS/KFintech.

Simple CAGR on SIP uses average capital as a shortcut. XIRR is more accurate because each instalment was invested for a different duration.

No. Mutual fund investments are subject to market risks. Use past mode for understanding history only; estimate mode is illustrative, not a promise.

Optional inflation discounts the projected maturity to today’s purchasing power so you can judge whether the corpus still meets a real goal.

This mutual fund calculator combines SIP/lumpsum projections, goal reverse-solve, and past-return metrics (absolute, CAGR, XIRR) in one place. The dedicated SIP calculator adds step-up and deeper SIP-only scenarios.

Use actual cash-flow dates and amounts (investments as negative, redemption/current value as positive) or the SIP/XIRR mode with your totals and tenure. App ‘XIRR’ labels can differ slightly by methodology.

Absolute return is total % gain; CAGR annualises it for easier comparison across periods. For SIPs, XIRR is usually more meaningful than simple CAGR. Taxes/exit loads are not deducted here.