Mutual Fund Return Calculator

Mutual Fund return calculator refers to a smart tool that helps us to check how the investment grows over a period of time. People can invest in Mutual Funds either through lumpsum or SIP mode. In the lumpsum mode, people invest a considerable amount at one stretch and hold it for a certain period. Contrarily, in SIP mode people invest in small amounts at regular intervals. Therefore, the calculator plays a key role in any investment mode. So, let us understand how the importance of Mutual Fund return calculator both lumpsum and SIP ones, how to use them and the best mutual funds for investment.

Mutual Fund SIP Calculator

sip calculator is a smart tool that helps to determine the amount to be invested along with the tenure to attain their objectives. It also shows how the SIP investment grows over a period of time. As SIP is known as a goal-based investment; through SIP people plan to attain various objectives such as purchasing a house, purchasing a vehicle, Retirement planning, and much more. The illustration given below shows how the SIP investment grows over a given period.

Mutual Fund Calculator

Illustration

• Monthly Investment: INR 1,500
• Investment Tenure: 12 Years
• Total Amount Invested: INR 2,16,000
• Expected Long-term Growth on Investment: 16% (approx.)
• Expected Long-term Inflation: 5% (approx.)

The graph given below shows how the SIP investment grows given the above-mentioned parameters grows over the tenure 12 years.

From the above image, we can say that at the end of 12th year, the total value of the investment would be INR 4,32,809 and the net profit on the investment would be INR 2,16,809.

How does a Mutual Fund SIP Calculator Work?

In order to check how the SIP calculator works, there are certain details or questions whose related data need to be entered. So, let us look at the questions that need to be answered to find how the SIP calculator works:

1. What would be the tenure of the investment or for how long are you planning to invest.
2. How much amount are you planning to invest.
3. Your expected growth rate in the equity market for long-run.
4. Your expected inflation rate in the long-term.

You need to be ready with the data related to the questions before doing the calculation. People also click on Next button after entering the details wherever required. Thus, we can say that by using Mutual Fund return calculator related to SIP, people can assess what will be their SIP value at the end of their expected tenure.

Now, let us shift our focus towards Lumpsum calculator.

Mutual Fund Lumpsum Return Calculator

Lumpsum investment in Mutual Fund refers to the Investing a considerable amount in Mutual Funds as a onetime activity. People having a considerable amount lying in their Bank account can choose to invest lump sum amount. There is a difference between a lumpsum calculator and SIP calculator. The lumpsum calculator helps people to assess how their onetime investment grows over a period of time. So, let us understand how the lumpsum returns grow over a given timeframe.

Open Lumpsum Calculator

Illustration

• Onetime Investment Amount: INR 15,000
• Investment Tenure: 12 Years
• Total Amount Invested: INR 15,000
• Expected Long-term Growth on Investment: 16% (approx.)
• Expected Long-term Inflation: 5% (approx.)

The graph given below shows how the lumpsum investment grows given the above-mentioned parameters grows over the tenure 12 years.

From the above image, we can say that at the end of 12th year, the total value of the investment would be INR 52,477 and the net profit on the investment would be INR 37,477.

How does a Mutual Fund Lumpsum Return Calculator Work?

The functioning process of a Mutual Fund lumpsum return calculator and SIP calculator is the same. However, people in this situation need to enter the lumpsum investment amount instead of SIP amount. However, the rest of the data related to investment tenure, expected long-term growth rate, and expected long-term inflation remains the same. Here too, you need to be ready with the data related to the questions before doing the calculation and click on Next button after entering the details wherever required.

Thus, we can say it is easy to use both the Mutual Fund calculators for lumpsum as well as SIP investment. Nevertheless, though people can use both of them but before making any investment; it is important to understand the modalities of the scheme completely. In addition, people can consult a financial advisor if required, to ensure that their investment gives them the required returns.

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