₹
₹
₹
A mutual fund calculator is an online tool that allows investors to calculate the yield and future value of an investment. Mutual funds are one of the most popular investment options. Although investing in mutual funds is exposed to market risks, the expected returns can be calculated. A mutual fund investment calculator can help them understand where to go based on the projected amount, timeframe, and rate of return. One may use BlinkX’s free mutual fund calculator to determine the returns on mutual funds.
How Does a Mutual Fund Total Calculator Work?
A mutual fund total return calculator helps you estimate the potential returns from mutual fund investments. It works for both lump-sum investments and systematic investment plans (SIPs).
- The calculator uses a simple algorithm to estimate returns quickly. You enter all the important details about your investment, and it provides results in seconds.
- To use the calculator, you must enter three main types of information: your investment amount, the investment period, and the expected return rate in percentage format.
- After entering your information, the calculator shows you the estimated future value of your investments. It also breaks down the total amount invested and your potential gains.
- With a one-time or lump-sum investment, you may add multiple fund amounts at one time. The advantage of this approach is that when it comes to the number of units you can buy, it is not affected by changes in the net asset value (NAV).
These statistics help you understand the potential consequences before you invest. It is a useful tool for planning your mutual fund investments and setting realistic expectations to look at in terms of returns.
How Can a Mutual Fund Calculator Online Help You?
Mutual fund return calculators are helpful online tools for investors. The following is how it can help you.
- There are many types of mutual fund returns available, including annualized returns, total returns, absolute returns, point-to-point returns, and rolling returns. This can be confusing for new investors. The online calculator simplifies this procedure. It facilitates estimated returns for distinctive time durations, which typically include 1 year, 3 years, and 5 years.
- This calculator further allows you to plan your financial targets. You may make better selections about your investments by seeing estimated returns.
- You may not need to be an expert to use this calculator. It's designed to be user-friendly, so even first-time customers can understand it without any difficulty.
Mutual Fund Calculation Formula
To understand how to calculate mutual fund returns, you need to consider the total gain or loss over a specific period. Here is the formula on how to calculate the maturity amount for lump sum and SIP investment in mutual funds:
| Investment Type | Lump-sum Investment | SIP Investment |
| Formula | M = P x (1+R)^n | M = A [ (1 + i)n – 1] x (1 + i)/i |
| Full forms | M- Maturity amount P- Principal amount R- Estimated rate of return n- Holding period in years | M- Maturity amount A- SIP contribution per period i- Rate of return n- Holding period in (months) |
Let’s take an example of how a mutual fund calculator works for different plans. The following table compares the investment value and returns with the help of a mutual fund calculator for direct and regular plans.
Metric | Direct Plan | Regular Plan |
Investment | ₹3 lakh | ₹3 lakh |
Holding Period | 15 years | 15 years |
Expected return before expense ratio (p.a.) [A] | 12% | 12% |
Expense ratio [B] | 0.50% | 1.50% |
Expected return after expense ratio (p.a.) [A - B] | 11.50% | 10.50% |
Total returns | ₹10.53 lakh | ₹8.97 lakh |
Maturity value | ₹13.53 lakh | ₹11.97 lakh |
How to use BlinkX Mutual Fund Calculator?
BlinkX, an online financial solution provider, offers a mutual fund return calculator in India that is simple to use. You just have to follow the below-listed steps:
- Step 1: Enter the total investment amount that you invested or going to invest in a mutual funds scheme.
- Step 2: Then, enter the expected return rate in percentage (% p.a).
- Step 3: Add the details about the tenure of the mutual fund scheme (in months).
- Step 4: Let the calculator process your entered data and calculate the future price of your invested amount.
- Step 5: The mutual funds calculator then gives you the final results of invested value, estimated returns, and the total value of the investment. Review the provided results, which display the estimated value of your investment at the end of the specified period.
Benefits of Online Mutual Fund Calculator
There are numerous benefits that an online mutual calculator offers. This includes the following.
- Mutual fund calculators make investing less complicated, especially for beginners. They estimate your returns quickly, which leads to saving your time and effort.
- You can calculate returns for each lump sum and regular investments. You don’t need to do complex calculations manually anymore.
- You can access mutual fund calculator India anywhere with an internet connection. The MF return calculators help you compare different investment methods.
- Online mutual fund calculators provide fairly accurate estimates of your mutual fund returns.
- You can easily customize your funding amounts and time durations to understand specific results.