Mutual Funds Calculators
Mutual fund calculators cover the full journey: investing monthly through a SIP, investing a lump sum, withdrawing through an SWP, and working backwards from a goal to the SIP you need.
Returns on a mutual fund investment using NAV or amounts.
SWP CalculatorHow long a corpus lasts with a systematic withdrawal plan.
Mutual Fund Goal CalculatorThe monthly SIP needed to reach a target amount.
SIP CalculatorSee what a monthly SIP could grow into over time.
Step-Up SIP CalculatorSIP where you increase the monthly amount every year.
Which calculator do you need?
| If you are asking… | Use this |
|---|---|
| What is my fund investment worth now? | Mutual Fund Return Calculator |
| What will my monthly SIP grow to? | SIP Calculator |
| How much do I need to invest for a goal? | Mutual Fund Goal Calculator |
| How long will my corpus last if I withdraw monthly? | SWP Calculator |
NAV, units and why a high NAV is not expensive
When you invest, your money buys units at that day's net asset value. The number of units rarely changes afterwards; their price does. A fund with a NAV of ₹500 is not more expensive than one at ₹50 — you simply hold fewer, larger units. Only the percentage change matters, which is why the return calculators work from NAV rather than price.
Direct plans versus regular plans
The same fund is usually sold in two versions. The direct plan carries no distributor commission, so its NAV grows slightly faster. Over a long holding period that small annual difference compounds into a meaningful amount. Check which one your statement shows before comparing your returns with a published figure.
Projections are not promises
Mutual fund returns are not guaranteed, and past performance does not carry forward. Where a calculator here asks for an expected return, it is recording your assumption so the arithmetic can be done — nothing more.
Mutual Funds — common questions
Are these returns guaranteed?
No. Mutual fund returns depend on the market. The calculators assume a steady rate for simplicity; real returns move up and down.
Do you include expense ratio and exit load?
Not automatically. Enter your expected return net of the expense ratio if you want a more conservative figure.