Mutual Fund Returns
Calculator
See what a one-time lumpsum could grow into — invested amount, gains and maturity value from your expected annual return and tenure.
Your investment
Projected value
Gross of expense ratio, exit load and tax. Returns are not guaranteed.
How it's calculated
This is the standard compound-growth (future value) formula for a single lumpsum:
- Future value (FV) = P × (1 + r)n
- P = amount invested · r = expected annual return as a decimal (12% = 0.12) · n = number of years.
- Estimated gains = FV − P.
Worked example: invest ₹1,00,000 at an expected 12% for 10 years. FV = 1,00,000 × (1.12)10 = 1,00,000 × 3.10585 = ₹3,10,585. The amount invested stays ₹1,00,000, so the estimated gains are ₹2,10,585. This assumes returns compound once a year and that you do not add or withdraw money during the period. Actual fund returns vary year to year — this gives a smooth long-run estimate, not a guarantee.
FAQ
How is the future value of a lumpsum calculated?
Multiply the amount invested by (1 + annual return) raised to the number of years. ₹1,00,000 at 12% for 10 years grows to about ₹3,10,585.
What return should I assume?
Returns are not guaranteed. Indian equity funds have historically returned roughly 10–14% over long horizons; debt funds less. Use a conservative number and stress-test with a lower rate.
Does this include taxes and expense ratio?
No. The figure is gross. Your real outcome is reduced by the fund's expense ratio, any exit load, and capital gains tax on redemption.
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