Mutual Fund Returns Calculator - Calculate MF Returns Online MF Returns Calculator
Calculate your mutual fund returns including absolute return, annualised return (CAGR), and total gains. Enter investment amount, current value, and holding period to analyse your mutual fund performance.
Investment Details
Your Returns
Year-wise Growth
| Year | Total Invested | Estimated Value | Gains | Absolute Return | CAGR |
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Mutual Fund Returns Calculator - Guide
What are Mutual Fund Returns?
Mutual fund returns measure how much your investment has grown over a period of time. Returns can be expressed as absolute returns (total percentage gain) or annualised returns (CAGR), which standardises performance to a per-year basis for easy comparison.
Understanding returns helps you evaluate fund performance, compare different funds, and make informed investment decisions. Use our SIP Calculator to plan monthly investments.
Types of Returns
- Absolute Return: Total percentage gain or loss from the investment, regardless of time period. Best for investments held less than 1 year.
- Annualised Return (CAGR): Compound Annual Growth Rate that shows the yearly average return. Best for comparing investments held for different durations.
- SIP Return (XIRR): Extended Internal Rate of Return used to measure returns on periodic investments like SIPs where cash flows happen at irregular intervals.
Calculation Formulas
Absolute Return = ((Current Value - Invested Amount) / Invested Amount) × 100
CAGR = ((Current Value / Invested Amount)1/n - 1) × 100
Where:
- Current Value = Present market value of the investment
- Invested Amount = Total amount originally invested
- n = Number of years the investment was held
Impact of Charges
- Expense Ratio: Annual fee charged by the fund house for managing the fund. A 1% expense ratio on a 10L investment over 10 years can significantly reduce your returns.
- Exit Load: A one-time charge levied when you redeem units before a specified period (usually 1 year). Typically ranges from 0.5% to 2%.
Tips for Evaluating Mutual Funds
- Compare CAGR: Always compare annualised returns (CAGR) rather than absolute returns when evaluating funds with different holding periods.
- Consider Expense Ratio: Lower expense ratios mean more of your returns stay with you. Index funds typically have lower expense ratios.
- Look at Rolling Returns: Don't rely on point-to-point returns alone. Rolling returns give a better picture of consistency.
- Benchmark Comparison: Compare fund performance against its benchmark index to assess whether the fund manager is adding value.
- Account for Inflation: Real returns = Nominal returns - Inflation. Use our Inflation Calculator to assess purchasing power.