Mutual Fund Calculator
Estimate SIP or lumpsum growth, reverse-solve for a goal, or calculate absolute return, CAGR and XIRR from past investments.
Calculator mode
Investment type
I know
Expected inflation / year
Results
- Invested amount
- ₹3,00,000
- Est. returns
- ₹1,12,432
Estimated value
₹4,12,432
Invested vs corpus over time
Total invested
₹3,00,000
After maturity
₹4,12,432
| Year | Opening | Deposit | Returns | Closing |
|---|---|---|---|---|
| 1 | ₹0 | ₹60,000 | ₹4,047 | ₹64,047 |
| 2 | ₹64,047 | ₹60,000 | ₹12,169 | ₹1,36,216 |
| 3 | ₹1,36,216 | ₹60,000 | ₹21,322 | ₹2,17,538 |
| 4 | ₹2,17,538 | ₹60,000 | ₹31,636 | ₹3,09,174 |
| 5 | ₹3,09,174 | ₹60,000 | ₹43,258 | ₹4,12,432 |
About mutual fund calculator
Estimate future projects SIP or lumpsum growth at an assumed return — including reverse goal mode to find the SIP or lumpsum needed for a target corpus. Past returns uses your invested amount and current value for absolute return, CAGR and SIP XIRR.
Mutual fund investments are subject to market risks. Past performance does not guarantee future returns. Excludes exit load, STT and capital-gains tax.
Last updated: 12 July 2026. Mutual fund investments are subject to market risks.
What this mutual fund calculator covers
Use Estimate future to project SIP or lumpsum growth at an assumed return, or switch to Target amount to find how much you need to invest. Use Past returns with your invested amount and current value to see absolute return, CAGR (lumpsum) and XIRR (SIP).
Target amount (goal mode)
Enter the corpus you want, expected return and period. For a Monthly SIP, results highlight the required monthly SIP, plus the yearly investment (monthly × 12), total invested over the tenure, estimated returns and projected corpus. For Lumpsum, results show the one-time amount needed today along with returns and estimated corpus.
Estimate vs past returns
Estimate mode compounds at the rate you enter (illustrative only). Past mode measures what already happened from statement figures. Absolute return shows total gain; CAGR annualizes lumpsum; XIRR annualizes SIP cash flows correctly.
Optional inflation presets in estimate mode discount projected maturity to today's purchasing power. Exit load, STT and capital-gains tax are not deducted.
Formulas used
- Absolute return = ((Current value − Amount invested) ÷ Amount invested) × 100
- CAGR (lumpsum) = ((Ending ÷ Beginning)^(1/years) − 1) × 100
- SIP future value uses the standard annuity formula with monthly rate i and n months (same maths as the dedicated SIP calculator)
- XIRR solves for the annualised rate that sets the NPV of SIP cash flows to zero
Worked example: ₹5,000 monthly SIP for 10 years at 12% assumed return. Projected corpus ≈ ₹11.6 lakh on roughly ₹6 lakh invested — run Estimate future with those inputs to see the exact breakdown.
Mutual fund investing is regulated by SEBI; scheme documents and risk disclosures on the AMC site remain authoritative. Past performance does not guarantee future results.
Related calculators
For step-up SIPs see the SIP calculator; for compounding frequency options use the lumpsum calculator; or the generic ROI calculator.
Frequently asked questions about mutual funds
What can this mutual fund calculator do?
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.
How does target / goal mode work?
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.
What is absolute return on a mutual fund?
Absolute return = ((Current value − Amount invested) ÷ Amount invested) × 100. It shows total gain or loss without annualizing.
What is CAGR for lumpsum investments?
Compound Annual Growth Rate smooths returns over the holding period: ((Ending ÷ Beginning)^(1/years) − 1) × 100. Useful for comparing multi-year investments.
What is XIRR for SIP?
Extended Internal Rate of Return accounts for multiple investments on different dates. SIP past-returns mode uses monthly cash flows to compute annualized XIRR.
How is estimate mode different from the SIP / lumpsum calculators?
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.
Does this include exit load or tax?
No. Enter redemption value after exit load if applicable. Capital gains tax on equity or debt funds is not computed here.
Can I use NAV from my CAS statement?
Yes. Use total amount invested and current portfolio value from your consolidated account statement (CAS) from CAMS/KFintech.
Why is SIP CAGR different from XIRR?
Simple CAGR on SIP uses average capital as a shortcut. XIRR is more accurate because each instalment was invested for a different duration.
Is past return a guarantee of future performance?
No. Mutual fund investments are subject to market risks. Use past mode for understanding history only; estimate mode is illustrative, not a promise.
What about inflation in estimate mode?
Optional inflation discounts the projected maturity to today’s purchasing power so you can judge whether the corpus still meets a real goal.
Disclaimer: Not investment advice. Does not account for exit load, STT or capital-gains tax.
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