Mutual fund Return calculator

Mutual funds returns calculator is quite helpful for investors to achieve the required goals with given period of time with required investments. You should consider only realistic returns on investments in mutual funds. There is following data required for getting the desired output from mutual funds calculator.

(a)         Amount you want to invest in mutual funds. There are 2 type of investments in mutual funds such as SIP or Lumpsum.

(b)         Time period for which investments are required to be done.

(c)      Expected rate of return you want from mutual funds. Usually returns from mutual funds after annual expenses comes to be 11-14%.

Mutual funds calculator uses simple formulas of compounding as we have learnt during our studies. Since there are 2 types of plans by which we can invest in mutual funds i.e. either through lumpsum or using SIP. So there are different formulas for arriving at returns from investments.

  1. Lumpsum Investments:-

In that case you commit a particular amount for investment for a particular period. For example if want to invest an amount of 10 lacs for period for 10 years with annual return of 10% then following formula will be used for calculating the returns which you get after 10 years is as below:-

Returns after given period = Invested amount X [ /100)]n

Now by putting that values into the formula we will get the required returns


Returns after given period= 1000000X[1+(10/100)]10

                                                        =  1000000 X [1+0.1]10

                                                         =  1000000 X (2.594)

                                                         =   2594000

            Thus your investment will be 2.5 times the investments.

  1. Systematic investment plan (SIP):-

If anyone invest the amount on monthly basis, than returns of on investments can be calculated using following formula:-

R= I [(1+C)n-1] X (1+C)/C


                        Where R= Returns after a given period of time

                        I= Investment amount

                        C= Compounded rate of return

If any one plans to invest Rs.10000/- on monthly basis for period of 10 years with expected returns of 10% than you will get following amount on investments:-

First C= (10/100)/12=0.00833 Annual rate of return are converted to monthly rate of return.

 R= 10000[(1+0.00833)120-1] X (1+ 0.00833)/ 0.00833

R= 10000(2.6836)X(121.048)

R= 32,48,444/-


i.e. on Investments of 12,00,000/- you will get returns of 2.71 times.


There are various available routes by which you can invest in mutual funds. List of the same is as below:-

  1. Through MF distributors by going through mutual fund distributors certain amount will be charged by distributors as distributor commission.
  2. By purchasing directly through mutual fund houses also known as Direct plans.
  3. Through online mode- in this mode we can purchase through DEMAT account,  various fund houses or various reliable apps available for investments etc. By purchasing mutual funds through online mode certain amount will be charged through online mode.


Mutual funds are in existence from since 1963. It was started by UTI i.e. Unit trust of India after the initiative of Government of India and Reserve Bank of India. So there is no way anyone can say that they have short term history and there is no reliability on returns from mutual funds. So you can trust on mutual funds but after taking advice from reliable investors. As advisors will guide about the type of shares that mutual funds hold, they will also tell about pros and cons.


Only thing you have to keep in mind while carrying out investments in mutual funds is that you have to keep patience and should have holding period of minimum 5 years.

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