Mutual Fund Calculator

Are you thinking of investing in mutual funds? But not sure how much you need to invest and how long you need to invest for? Policybazaar mutual fund calculator can help you with this! Just enter a few details, and it will show you how much money you can expect to have at your retirement, your child's education, or any other financial goal.

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Investment Return Calculator (Power of Compounding)
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What Is a Mutual Fund Calculator?

A mutual fund calculator is a financial tool that helps you estimate and plan your investments in mutual funds. 

Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. A mutual fund calculator can assist you in making informed decisions by estimating the future value of your investment.

The mutual fund calculator typically asks for the following information:

  • Investment Amount

  • Investment Period (i.e., the number of years for which the investment is made)

  • Expected Rate of Return

  • Frequency of the SIP (if applicable)

How to Use a Mutual Fund Calculator?

Follow the steps mentioned below to use the Policybazaar mutual fund returns calculator:

Step 1: Go to the online Policybazaar Mutual Fund Calculator page

Step 2: Enter the following details:

  • Amount you are investing

  • Type of investment (lump sum or SIP)

  • Investment horizon (number of years)

  • Expected rate of return

Step 3: The calculator will automatically display the following details:

  • Total SIP/ Invested Amount

  • Maturity Amount

  • Expected Returns

Why Should You Use a Mutual Fund Returns Calculator?

The benefits of using a mutual fund calculator are as follows:

  • To Estimate Your Returns: A mutual fund returns calculator can help you estimate the returns you can expect from your investment. This information can be helpful in making investment decisions, such as how much money to invest and how long to invest it.

  • To Compare Different Investment Options: You can use a mutual fund returns calculator to compare the returns of different investment options, such as different mutual funds, different asset classes, or different investment time horizons. This can help you choose the investment option that is most likely to meet your financial goals.

  • To Track Your Investment Performance: You can track the performance of your investment over time with a mutual fund returns calculator. This information can help you see how your investment is doing and whether it is on track to meet your financial goals.

  • To Make Informed Investment Decisions: A mutual fund returns calculator can help you make informed investment decisions by providing you with information about the potential returns of different investment options.


What is the Formula for Mutual Fund Returns Calculation?

There are two ways to calculate mutual fund returns: manually and using a mutual fund returns calculator.

  1. Manual Calculation

To calculate mutual fund returns manually, you need to use the following formula:

The Lump Sum Investment Calculator works based on the following formula
M = P (1 + r/100)^n
Terms used in Lump Sum Investment Calculator
Maturity amount
Principal amount
Estimated rate of return
Holding period (in years)


The SIP Investment Calculator works based on the following formula
M = A [ (1 + i)^n – 1] x (1 + i)/i
Terms used in Lump Sum Investment Calculator
Maturity amount
SIP contribution per period
Rate of return*
Holding period (in months)*

* Note: For daily/weekly SIPs, adjust i and n accordingly.

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Illustration of Mutual Fund Returns Calculation

Let us say you invest in a mutual fund with the following details:

  • Investment Amount= Rs. 10,000

  • Estimated Return= 10% per year

  • Investment Period= 5 years

The maturity amount would be:

    • M = P (1 + r/100)^n

    • M = 10,000 * (1 + 0.10)^5 

    • M = Rs. 16,105.10

Why Use Policybazaar Mutual Fund Calculator?

There are many benefits to using the Policybazaar mutual fund calculator; a few of them are as follows:

  • Easy to Use: The calculator is very user-friendly and can be used by anyone, regardless of your financial knowledge.

  • Accuracy: This mutual fund returns calculator uses the latest market data to calculate your results, so you can be confident that the numbers are accurate.

  • SIP and Lump Sum Investment: The calculator allows you to calculate both your lump sum and SIP investments in the best mutual fund schemes.

  • Free to Use: The Policybazaar mutual fund calculator is available to everyone at no cost.

  • Comprehensive Inputs: The calculator allows you to enter a variety of factors, such as your initial investment amount, investment horizon, and expected rate of return. This gives you a more accurate picture of your potential returns.

  • Flexibility: The mutual fund calculator allows you to choose from different SIP frequencies, so you can find the option that best suits your needs.

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In Conclusion

The Mutual Fund Calculator is your key to making smarter investment choices. With this tool, you can plan for your financial goals, compare funds, and gain control over your financial future. Start calculating now and pave your way to financial success!


  • What is the 15x15x15 rule in mutual funds?

    The 15x15x15 rule suggests that you should invest at least 15% of your income in mutual funds for at least 15 years. Also, choose mutual funds with an expense ratio of not more than 1.5%.
  • Can I use a mutual fund calculator for all types of funds?

    Yes, a mutual fund calculator can be used for all types of mutual funds, including equity funds, debt funds, and hybrid funds.
  • Can I use a mutual fund calculator to compare different mutual funds and SIPs?

    Yes, you can use a mutual fund calculator to compare different mutual funds and SIPs. The calculator can help you estimate the returns of different funds under different investment scenarios. This can help you choose the fund that is right for you.
  • What are the types of Mutual Fund Calculators? 

    There are several types of mutual fund calculators available, including the following:
    • Lump Sum Calculator

    • Mutual Fund Returns Calculator

    • SIP calculator 

    • Retirement Calculator

    • Expense Calculator

    Each type of calculator is designed to help you with a specific aspect of mutual fund investing. 

  • What are the different risk profiles of a mutual fund investor?

    Investors of mutual funds are classified as moderate, conservative, and aggressive based on their risk appetite.
  • What if I invest Rs. 30 000 a month in SIP for 5 years?

    If you invest Rs. 30,000 a month in SIP for 5 years, you will have invested Rs. 18,00,000. Assuming an average annual return of 12%, your investment will grow to Rs. 24,70,000 at the end of 5 years.
  • How to invest Rs. 1 lakh per month in mutual funds?

    To invest Rs. 1 lakh per month in mutual funds, you can open a systematic investment plan (SIP) in a mutual fund of your choice. The choice of funds depends on your investment goals, risk appetite, and investment horizon. 

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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