Mutual Fund Returns Calculator
Investments in Mutual funds are made to create wealth for your future needs. But checking how much money you could possibly create becomes the best option. This is you must use a Mutual Fund Returns Calculator to help you see how much money you could make in the future. The calculator gives you an idea on how your money could grow over time through compounding, making your savings goals into a clear, visual plan. This lets you try out different amounts, timeframes, and types of funds to see what works best for your goals. It's the easiest way to go from guessing to making smart, confident investments.
What is a Mutual Fund Return Calculator?
A Mutual Fund Returns Calculator is a free-to-use online tool that calculates for you and tells you how much your investments in mutual funds could grow over time. All you have to do is type in how much you want to invest once or every month, how much you expect to make each year, and how long you want to invest. The calculator then uses the power of compounding to guess what your future value might be. You don't need to do any complicated math to use it to see your wealth journey and make clear plans for your financial goals.
How does a Mutual Fund Return Calculator Help You?
A Mutual Fund Return Calculator takes the guesswork out of making a financial plan. It's a must-have for proactive investors, and here's how it helps you make decisions:
1. Shows you what your money will look like in the future
It gives you a concrete estimate by showing you what your investments might be worth in the future. This makes vague goals like "save for retirement" into a clear visual target, which makes your goal seem real and possible.
2. Lets you plan smartly based on your goals
You can figure out how to reach your goals. To reach your goal amount (for example, ₹50 lakh for a child's education), figure out how much you need to invest each month or for how long. This makes a savings plan that is based on data and is strict.
3. Quickly compares "What-If" scenarios
Try out different strategies without any risk. You can see how changing your monthly SIP by ₹1,000, extending your timeline by 3 years, or choosing a fund with a slightly different return assumption can have a big effect on your final corpus. This helps you make the best use of your strategy.
4. Shows how powerful compounding can be
The calculator doesn't just add returns; it also multiplies them. Use the calculator to find how your money can grow over time if you stay invested in the market.
5. Gives an objective standard
It helps you set realistic expectations and stops you from making emotional or impulsive investments based on short-term market noise by giving you a data-driven projection.
Example
You put ₹5,000 into an equity mutual fund every month. You want to keep your money in for 20 years and expect to make 12% per year on average.
The formula that your calculator uses is:
To figure out the future value of a SIP (Systematic Investment Plan), use this formula for compound interest on regular investments:
FV = P × [ (1 + r)^n - 1 ] / r × (1 + r)
Where:
FV stands for the investment's future value.
P = the amount you invest each month (₹5,000)
r = the monthly rate of return (the annual rate divided by 12). When r = 12%/12 = 1% or 0.01, it means 12% per year.
n = Total number of months (20 years times 12 months = 240 months)
Let us now calculate it Step by Step:
0.12 / 12 = 0.01
n = 240 because 20 * 12 = 240
(1 + r)^n = (1.01)^240 = 10.8926
FV = 5000 × [ (10.8926 - 1) / 0.01 ] × 1.01
FV = 5000 × [ 9.8926 ÷ 0.01 ] × 1.01
FV = 5000 × 989.26 × 1.01
FV is about ₹49,97,563
How to use Stockify’s Mutual Funds Return Calculator?
Our calculator is designed to be simple and insightful. Just follow these quick steps to see the future potential of your investments:
Choose Your Investment Mode
You can first select whether you will make a one-time lump sum investment or a regular monthly SIP (Systematic Investment Plan).
Enter Your Investment Details
You can enter the amount you plan to invest (either the lump sum or your monthly SIP amount). And after that choose investment duration in years.
Provide the Expected Return Rate
Enter the annual rate of return you anticipate from the mutual fund scheme, based on its historical performance or your financial advisor's guidance.
Click ‘Calculate Future Value’
Hit the button to instantly see a detailed projection of your investment’s potential growth, including your total amount invested and the estimated wealth gained.
Adjust and Plan
For a final decision, you can set your results as a foundation. Then re-calculate with different timeframes, amounts, or return rates to build the investment strategy that best fits your financial goals.
Advantages of Stockify’s Mutual Funds Return Calculator
These are the advantages for using the mutual funds return calculator:
Projects Long-Term Wealth Accurately
Uses the proven power of compounding to give you a realistic estimate of how your money can grow over years or decades.
Enables Goal-Based Financial Planning
Allows you to work backward from a target amount (like a retirement corpus) to determine exactly how much you need to invest monthly to achieve it.
Facilitates Instant “What-If” Scenario Testing
Let's compare how adjusting your SIP amount, duration, or expected return rate can impact your final outcome, helping you optimize your strategy.
Offers Clarity for Both SIP and Lump-Sum Strategies
Clearly visualises the potential of different investment approaches, whether you’re starting with a single sum or investing gradually over time.
Delivers Immediate Insights Without Registration
Provides powerful, actionable calculations completely free and with no sign-up required, putting smart planning tools directly at your fingertips.
Best Mutual Funds to Invest in 2026
As per the information fetched from Google AI, best mutual funds to invest in 2026 are:
Category | Fund Name | Risk Level | 3Y Return (Approx.) | 5Y Return (Approx.) |
Large Cap | ICICI Pru Bluechip Fund | Very High | 17.5% | 18.2% |
Mid Cap | Motilal Oswal Midcap Fund | Very High | 24.0% | 26.8% |
Small Cap | Bandhan Small Cap Fund | Very High | 29.5% | 25.3% |
Flexi Cap | Parag Parikh Flexi Cap Fund | Very High | 21.5% | 19.6% |
Hybrid | ICICI Pru Equity & Debt Fund | Very High | 22.1% | 20.4% |
Debt | HDFC Floating Rate Debt Fund | Moderate | 8.0% | 7.2% |
Use the Stockify's calculator now.
FAQ
You might need to make a monthly SIP of about ₹7,300 to get to ₹3,00,000 in three years. This would give you a 12% expected return, or about ₹7,800 at a 10% return. You can use the "target amount" calculator feature to see both options.
The calculator lets investors try out different investment scenarios, see how compounding works, and set realistic financial goals. This tells you exactly how much you need to save to reach your financial goals, even before you put any money in.
You would only need three main pieces of information: 1) The amount of money you want to invest, 2) the type of investment you want to make (lump sum or monthly SIP), and 3) the time frame for your investment and the expected annual return rate. From there, the calculator does the hard math.
Yes, especially in equity-oriented mutual funds, because their value is tied to the stock market, which can change. Returns aren't guaranteed, and they can be negative for short periods of time. This is why mutual funds are a good choice for long-term goals (5 years or more), since they give you time to ride out market ups and downs.
You can start with very little! You can start with as little as ₹100 or ₹500 a month with many mutual fund SIPs. There isn't a big minimum requirement, so it's a good way to slowly build wealth, which is the main idea behind systematic investing.
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