Stax

Calculadora de Retornos de Fondos Mutuos

Estime retornos de fondos mutuos en modos SIP (mensual) y lumpsum (única vez). Vea valor de vencimiento, total invertido y ganancia.

What is a mutual fund returns calculator?

A mutual fund returns calculator projects the future value of your investment based on an assumed annualized return. It works for both SIP (Systematic Investment Plan, monthly) and lumpsum (one-time) modes, so you can compare the two strategies side by side.

SIP vs lumpsum — quick rule of thumb

Choose SIP if you invest from monthly salary, want rupee-cost averaging, or are nervous about market timing. Choose lumpsum if you have idle capital, the markets have just corrected meaningfully, or your investment horizon is 10+ years. For a windfall, an STP (lumpsum into liquid fund + monthly transfer to equity over 6–12 months) often outperforms either pure approach.

Why mutual fund returns aren't linear

Real fund returns vary year to year — equity funds may return -15% in one year and +28% in another. The CAGR you enter here is a smoothed average. Over 10+ years the smoothing assumption holds reasonably well; over 1–3 years actual outcomes can differ materially from the projection.

Preguntas frecuentes

What does this mutual fund calculator show?
It estimates the future value of either a monthly SIP or a one-time lumpsum investment in a mutual fund, given an assumed annual return rate. Toggle between SIP and lumpsum to compare strategies.
What return rate should I use for equity funds?
Long-term Indian equity mutual funds have historically delivered 11–14% p.a. (Nifty 50 ~12%, mid/small-cap higher). Use 10–12% for diversified large-cap, 13–15% for mid-cap, 14–17% for small-cap. None of this is guaranteed.
Does the calculator account for expense ratio?
No — the rate you enter is the net return after expenses. If you know your fund's gross CAGR, subtract the expense ratio (typically 0.5–2.0% for direct plans) to get the net rate to enter here.
What about exit load and taxation?
This calculator shows pre-tax, pre-exit-load values. Most equity funds have 1% exit load if redeemed within 1 year. LTCG tax (12.5% above ₹1.25 lakh/yr) applies on equity gains held over 12 months. Debt fund gains are taxed at slab rate.
How accurate are mutual fund return calculators?
They assume a constant return rate, which the real world doesn't deliver. Treat the output as a 'best estimate' — actual returns will vary year to year. The longer your horizon, the more reliable the estimate becomes due to volatility smoothing.

Herramientas relacionadas