Mutual Fund Returns Calculator
Calculate mutual fund returns for any NAV change. Find CAGR, absolute return, and XIRR for SIP investments. Compare fund performance using standardized return metrics.
Mutual Fund Returns Calculator
Results update instantly
Your initial investment in the mutual fund
Expected or actual annual CAGR of the fund
Estimates based on constant rate assumption. Actual returns may vary.
| Year | Invested | Returns | Total Value |
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Expense ratio matters more than most investors realize. A Rs 10L investment at 13% CAGR for 20 years = Rs 1.15 Cr. At 12% (1% lower due to higher expense ratio) = Rs 96.5L. A 1% annual cost difference destroys Rs 18.7 lakh over 20 years. Always prefer direct plans over regular plans.
What is a Mutual Fund Returns Calculator?
A mutual fund returns calculator estimates the growth of your mutual fund investment based on the expected CAGR and investment tenure. It shows absolute returns, CAGR, and wealth gained — the key metrics for evaluating if an investment is meeting your financial goals.
How mutual fund returns are measured
CAGR = (Final value / Invested)^(1/years) - 1
XIRR = IRR of all cash flows (for SIPs with varying amounts/intervals)
Direct plan vs regular plan — the biggest return killer
Every mutual fund in India has two variants: direct plan (no distributor commission) and regular plan (includes 0.5-1.5% annual commission). The NAV of a direct plan grows faster than the regular plan of the same fund. Over 15 years, a Rs 1L investment at 13% CAGR (direct) = Rs 6.25L vs 12% (regular) = Rs 5.47L. Direct plans save Rs 78,000 on Rs 1L over 15 years.
Equity vs debt vs hybrid fund return expectations
Large-cap equity: 10-13% CAGR over 10 years. Mid-cap equity: 13-18%. Small-cap: 15-22% (higher risk). Flexi-cap: 11-15%. Debt funds: 7-8.5%. Liquid funds: 6.5-7.5%. Hybrid (balanced advantage): 9-12%. Index funds: close to index CAGR minus expense ratio (0.1-0.2%).
ThriftRupee tips for mutual fund investors
Tip 1: Always invest in direct plans. The 1% annual savings in expense ratio compounds dramatically over 15-20 years. Use AMC websites directly, or Coin (Zerodha), Groww, or Paytm Money for direct plan investing with zero commission.
Tip 2: Review 5-year rolling returns, not 1-year. A fund that gave 45% last year may be a mediocre fund in a bull market. A fund with consistent 14-16% 5-year rolling CAGR across multiple market cycles is a genuinely good fund.
Tip 3: Do not over-diversify. Owning 15-20 mutual funds does not reduce risk significantly — the underlying stocks overlap significantly above 5-6 funds. Concentrate on 4-6 well-chosen funds across categories for effective diversification without duplication.