Home
Calculators
Mutual Fund Calculator

Mutual Fund Calculator

Mutual Fund

Lumpsum

Invested Amount₹

Invested Period (in years)Yrs

Expected Rate of Return (p.a.)%

The Total Value of Your Investment After 10 Years Will be

₹31,058

Invest Now

What is a Mutual Fund Calculator?

A mutual fund calculator is an online tool that shows how your investment may grow over time. With the YES SECURITIES Mutual Fund Calculator, just enter your amount, tenure and expected return to see the estimated value of your investment instantly.

How Does a Mutual Fund Calculator Work?

A mutual fund calculator shows how much return you can earn. You can invest in two ways:

SIP: Invest in small, fixed amounts every month, and enjoy a flexible, beginner-friendly investment approach.
Lumpsum: Make a one-time investment at the current NAV and watch your investment grow over time. A good approach if you have extra investable funds. If you have extra funds.

Steps to Use the YES SECURITIES Mutual Fund Calculator

Follow the steps below on how to use our mutual fund calculator with just a few clicks:

For SIP

Step 1: Enter the monthly investment amount you want to invest.
Step 2: Enter the number of years you plan to keep investing.
Step 3: Enter the expected annual rate of return.

For Lumpsum

Step 1: Enter the one-time investment amount you want to invest.
Step 2: Enter the number of years you plan to stay invested.
Step 3: Enter the expected annual rate of return.

View the estimated value of your investment at the end of the chosen tenure; instantly.

Formula for Lumpsum Investment

A one-time investment is known as a lumpsum investment. To help you estimate the future value of such an investment, the mutual fund calculator uses the following formula:

M = P × (1 + R)ⁿ

Where:

M = Estimated value at the end of your investment period
P = The one-time investment amount
R = Expected annual rate of return (expressed as CAGR)
N = Number of years you stay invested

Lumpsum Investment Example:

Let’s take an example. Suppose you invest ₹5,00,000 as a one-time lumpsum for 10 years at an expected annual return of 12%.

Using the formula:

M = P×(1+R)n

M = 5,00,000×(1+0.12)10

M = 5,00,000×3.1058

M ≈ ₹15.53lakh

So, your ₹5 lakh investment grows to about ₹15.53 lakh in 10 years

Formula for SIP Investment:

The formula used to calculate mutual fund returns for sip investments is given below:

A = P × (([1 + r]^n – 1) / r) × (1 + r)

Where:

M = Estimated value at the end of your investment
S = Monthly investment
R = Expected return per year
N = Number of years

SIP Investment Example:

Now, let’s look at SIP. Imagine you invest ₹10,000 every month for 10 years at an expected annual return of 12%.

Using the formula:

A = P × (([1 + r]^n – 1) / r) × (1 + r)

(1+r)n=(1+0.01)120 ≈ 3.3004

Subtract 1: 3.3004−1 = 2.3004

Divide by r: 2.3004 ÷ 0.01 = 230.04

Multiply by P and (1+r): 10,000 × 230.04 × 1.01 ≈ ₹23,23,400

Result

Total investment: ₹10,000 × 120 = ₹12,00,000
Maturity amount: ₹23,23,400
Returns earned: ₹23,23,400 – ₹12,00,000 ≈ ₹11,23,400
t = 10

In simple terms: By investing ₹10,000 every month for 10 years at 12% annual return, your money nearly doubles, growing to ₹23.23 lakh.

Projected Mutual Fund Returns

The illustration below shows how a monthly SIP of ₹5,000, with an expected annual return of 12% (compounded monthly), can grow over different investment durations.

Duration (Years)	SIP Amount	Total Investment (₹)	Estimated Value at 12% Return (₹)
1	₹5,000	₹60,000	₹64,047
2	₹5,000	₹1.2 Lakh	₹1,36,216
3	₹5,000	₹1.8 Lakh	₹2,17,538
4	₹5,000	₹2.4 Lakh	₹3,09,174
5	₹5,000	₹3.0 Lakh	₹4,12,432
6	₹5,000	₹3.6 Lakh	₹5,28,785
7	₹5,000	₹4.2 Lakh	₹6,59,895
8	₹5,000	₹4.8 Lakh	₹8,07,633
9	₹5,000	₹5.4 Lakh	₹9,74,108
10	₹5,000	₹6.0 Lakh	₹11,61,695

Advantages of Mutual Fund Calculator

Here are some advantages of using an online mutual fund calculator:

Easy to Use: The calculator is simple to use. Just enter three basic details, your investment amount, investment period, and investment type (SIP or lumpsum), to get an estimate.
Quick Comparisons: An online mutual fund calculator saves time by giving instant estimates on SIP or lumpsum investments. You can also adjust factors like amount, duration, and expected return to compare different options and see which suits your goals.
Supports Goal Planning: The calculator gives an approximate idea of how your investment may grow over time, helping you to better plan your financial goals.
Free Tool: Our online mutual fund investment calculators are free to use.

FAQs on Mutual Fund Calculator

What are Mutual Funds?

Mutual funds are investment schemes that pool money from many investors and invest in assets like stocks, bonds, or other securities.A fund manager manages this pool to generate returns.

What happens if I invest ₹10,000 per month in SIP for 30 years?

Assuming 12 % average annual returns, ₹10,000 per month for 30 years can grow to around ₹3.5 crore(compounded).At 10 % returns, it would be about ₹2.3 crore *.

How much will ₹10,000 per month grow in 10 years through a mutual fund?

Assuming at 12 % annual returns, ₹10,000 per month for 10 years can grow to around ₹23 lakh.At 10 % returns, it would be about ₹20 lakh *.

How can I accumulate ₹50 lakhs in 5 years using SIP?

To reach ₹50 lakhs in 5 years, you need to invest about ₹65,000–₹70,000 per month (assuming 12 % returns)*.

Is it possible to have negative returns in mutual funds?

Yes, Mutual funds linked to equities or markets could give negative returns if markets fall.Debt funds may also show losses during interest rate hikes or defaults.

Can I withdraw from my SIP anytime?

Yes, you can redeem your units and withdraw from a Systematic Investment Plan(SIP) whenever you wish.

How to choose between lumpsum and sip?

Choosing between lumpsum and SIP depends on your financial goals, risk tolerance, market conditions, and investment horizon.

Can I increase or decrease my SIP amount?

Yes, most mutual funds allow you to modify your SIP amount anytime based on your financial planning.

What happens if I miss a SIP installment?

Missing a SIP installment doesn’t affect your existing units; you can resume contributions anytime.

Can I start multiple SIPs in different funds?

Yes, you can diversify by starting multiple SIPs across various funds to balance risk and returns.

*Disclaimer: The figures are illustrative only. Actual returns depend on market performance. Mutual fund investments are subject to market risks. Please read scheme documents carefully before investing.