Mutual Fund Calculator

Use our Mutual Fund Calculator to see how your money can grow over time with compounding, helping you make smarter financial decisions.

Investment Amount

₹

Minimum amount allowed is ₹1000

Rate of Interest % (P.A)

Time Period (in year)

Compounding Frequency

Make informed financial decisions and build a secure future for yourself!

Invest Now

Make informed financial decisions and build a secure future for yourself!

The future value of investment will be

Investment Amount

Inv. Amount

Total Interest

Maturity Value

Invest Now

Planning your investments wisely is crucial for achieving long-term financial goals. One of the most reliable tools in this endeavour is a Mutual Fund Calculator. Torus Digital’s mutual fund calculator is designed to help investors evaluate their potential returns from mutual fund investments. Whether you are investing ₹1,000 or Rs 2 lakh, this tool helps you understand the outcome of your investments clearly.

The mutual fund calculator considers your investment amount, investment duration, and expected rate of return to give you the future value of your mutual fund investments. Whether you're considering SIPs or lump sum investments, our tool offers comprehensive results, helping you make informed decisions. It’s free to use, beginner-friendly, and built to match the latest market conditions, making it an excellent choice for Indian investors. With increasing awareness around investment planning and rising interest in personal finance since June 2019, more investors are turning to these digital tools.

What is a Mutual Fund Calculator?

A mutual fund calculator is a digital tool that estimates the returns on mutual fund investments over a selected tenure. It calculates the expected maturity amount based on inputs such as the principal amount, tenure, and expected CAGR (Compound Annual Growth Rate). Torus Digital’s mutual fund calculator works seamlessly for SIPs and lump sum modes and offers a user-friendly interface with accurate, real-time results.

Investors can use the mutual fund calculator to simulate different investment scenarios and understand how various factors like investment duration or ROI impact the maturity amount. This is particularly helpful in setting and achieving specific financial goals such as buying a home, planning for education, or building a retirement corpus. Whether you're investing 1000 rupees, Rs 5 lakh, or Rs 6 lakh, the results help align your strategies to your aspirations.

How Does Mutual Fund Returns Calculator Work?

Input Investment Amount: Start by entering your desired investment amount (e.g. ₹1000, ₹2 lakh, or ₹5 lakh).
Select Investment Type: Choose between Systematic Investment Plan (SIP) or lump sum.
Enter Investment Duration: Choose a duration (e.g., 1 year, 3 years, 5 years, 10 years, or even 30 years).
Set Expected Rate of Return: Estimate your return rate (CAGR) based on historical or projected performance.
Calculate: Click the 'Calculate' button. The mutual fund return calculator will display the maturity value, invested amount, and estimated returns.

The tool uses formulas involving CAGR or XIRR (for SIPs) to calculate returns, giving a realistic estimate of potential earnings based on your inputs. If you're uncertain about expected returns, it’s best to check past performance of schemes like HDFC Mid-cap Opportunities Fund or ICICI Pru Equity & Debt Direct-G .

How Can a Mutual Fund Returns Calculator Help You?

Goal Setting: Estimate how much you need to invest today to reach your future financial goals, such as saving for your children’s education or a vacation.
Ease of Use: Requires only a few fields of input to generate results, even for complex plans.
Comparison: Compare different schemes like ICICI, Axis, Canara Robeco , or Aditya Birla Sunlife to choose the best fit.
Flexible Projections: Simulate outcomes with changing durations, investment methods, or ROI to suit your investment objectives.
Time-Saving: Avoid manual calculations using the mutual fund investment calculator, reducing errors.
Informed Decisions: Helps visualise returns from various investment strategies, aiding in better portfolio construction and wealth creation.

Formula to Calculate Mutual Fund Returns

For SIP Investments:

Future Value = P × [(1 + r)^n - 1] × (1 + r)/r
Where:

FV = Future Value
P = SIP amount
r = expected rate of return (annual CAGR ÷ 12)
n = number of months

For Lump Sum Investments:

Future Value = P × (1 + r/100)^n
Where:

P = principal amount
r = annual CAGR
n = number of years

These are standard formulas used in most mutual fund return calculators. You can verify your assumptions using schemes like Frontline Equity Fund or Hybrid Equity Direct.

How to Use Torus Digital’s Mutual Fund Calculator?

Torus Digital’s Mutual Fund Calculator helps you estimate the future value of your investment by factoring in your investment amount, interest rate, time period, and compounding frequency. It’s simple, quick, and user-friendly. Steps to Use the Calculator:

Enter Your Investment Amount Start by entering the lump sum amount you wish to invest. For example, ₹1,00,000.
Add the Expected Rate of Return (Per Annum) Fill in the average annual return you expect from the mutual fund. You can use historical data or personal projections. For example, 7.5%.
Choose the Time Period Select how long you plan to stay invested — for example, 10 years.
Select the Compounding Frequency Choose how often the interest should be compounded: Monthly, Quarterly, Half-yearly, or Yearly. This impacts the maturity amount.

Once all fields are filled, the mutual fund investment calculator instantly shows:

Investment Amount
Total Interest Earned
Maturity Value

A visual donut chart also illustrates the proportion of invested amount vs interest earned. Let’s understand with an example:

Let’s assume you invest ₹1,00,000 in a mutual fund for 10 years, expecting an annual return of 7.5%, compounded yearly. Based on this:

Investment Amount: ₹1,00,000
Total Interest Earned: ₹1,06,103
Maturity Value: ₹2,06,103

This means your investment more than doubles over 10 years — without any additional contributions!

Torus Digital’s mutual fund calculator is a handy tool to plan your long-term financial goals and visualise the power of compounding. Try it now to make smarter, more informed investment decisions.

Want to explore a range of investment opportunities? Head over to our Mutual Funds page to discover schemes that align with your financial goals.

Advantages of Mutual Fund Returns Calculator

Accuracy: Powered by robust algorithms and real-time data, ensuring precise projections for each investment.
Flexibility: Works for both SIP and lump sum investments, even when mixed within your portfolio.
Portfolio Planning: Supports multiple simulations for better investment strategy formulation based on current market outlook.
Risk Estimation: Helps assess potential market fluctuations and returns, assisting in fine-tuning your portfolio’s risk tolerance.
Cost-Efficient: Saves time and is completely free to use. No commissions or intermediary charges.
Investor-Friendly: Designed for individuals at all knowledge levels, from beginner to expert, ensuring inclusivity and ease of use.
Goal Alignment: Ensures your investment aligns with your financial planning and life goals. For best results, continue testing inputs using a reliable mutual fund investment calculator.