What does a mutual fund calculator show?
It estimates the future value of your mutual fund investment, whether you invest monthly (SIP) or once (lumpsum), at a return you choose. It does not predict the market; it shows what a steady return would give.
How to use this calculator
- Choose SIP or one-time investment.
- Enter the amount, expected return and years.
- Compare by switching between SIP and lumpsum.
New to these words? See the money glossary.
Common questions
What return should I assume for a mutual fund?
For long-term planning many people use 10% to 12% for equity funds and 6% to 7% for debt funds. Past returns do not guarantee future returns.
Are mutual fund gains taxed?
Yes. Equity fund gains are taxed when you sell, at rates that depend on how long you held the units. Check the current rules before you redeem.
What is the best mutual fund returns calculator for India?
Any calculator that shows results in rupees with a year-by-year table and lets you switch between SIP and lumpsum will do. This one shows answers in lakh and crore.