Mutual Fund Returns Calculator – Calculate MF Returns Online   

Investing is one of the most effective ways to secure your financial future. A popular method for growing wealth over time is through mutual funds. But how can you determine the potential returns on your investments? The Mutual Fund Returns Calculator is an online tool designed to calculate the interest earned and the total value of your investment in mutual funds after growth.

A key feature of our Mutual Fund Returns Calculator is its ability to display year-by-year investment growth in both a detailed table and a visual diagram, providing users with a clear and comprehensive view of how their mutual fund investments grow over time.

Manually calculating mutual fund returns can be time-consuming and complex, but an online Mutual Fund Returns Calculator simplifies the process, making it quick, easy, and highly accurate. The tool considers key inputs such as Investment Amount (₹), Expected Interest Rate (p.a. %), and Time Period (Years) to deliver essential outputs, including Invested Amount, Interest Amount, Return on Investment (%), Total Amount.

Note: A comprehensive guide to the features of our Mutual Fund Returns Calculator is described in the “How to Use the Mutual Fund Returns Calculator” section below.

What is a Mutual Fund?

A mutual fund is an investment plan that pools money from multiple investors to buy a diversified portfolio of stocks, bonds, or other assets. Managed by professional fund managers, it offers diversification, liquidity, and professional management. Investors can buy or sell shares at the fund’s net asset value (NAV). While they provide accessibility to a variety of investments, mutual funds charge management fees, which can impact returns. They are a popular choice for individuals seeking diversified investments without the need for hands-on management.

Manual Method to Calculate Mutual Fund Returns

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

Formula for Compound Interest:

Total amount (A) = P × (1 + r/100)^t

Where:

A = Total amount after interest
P = Principal or invested amount (₹500,000 in your example)
r = Annual interest rate (12% in your example)
t = Time period in years (2 years in your example)

Once you calculate A, the interest earned can be found by subtracting the principal from the total amount:
Interest Amount = A – P

Calculation Example:
Initial Data:

Investment Amount (P) = ₹500,000
Expected Interest Rate (r) = 12% p.a.
Time Period (t) = 2 years

Step 1: Apply the Formula

A = 500000 × (1 + 12/100)^2
A = 500000 × (1 + 0.12)^2
A = 500000 × (1.12)^2
A = 500000 × 1.2544 = 627200

Step 2: Calculate Interest

Interest = 627200 – 500000 = 127200

Step 3: Calculate Return on Investment (ROI)

ROI (%) = (Interest / P) × 100
ROI (%) = (127200 / 500000) × 100 = 25.44%

Final Results:

Invested Amount: ₹500,000
Interest Amount: ₹127,200
Return on Investment (%): 25.44%
Total Amount: ₹627,200

Your calculator layout matches this method of calculation, giving you the total amount, interest, and ROI based on the input parameters.

How to Use Mutual Fund Returns Calculator

The Mutual Fund Returns Calculator helps you determine the future value of your investment, considering the expected returns over a specific period. It calculates how your invested amount grows based on the interest rate and the time period you choose. Follow the steps below to use the calculator effectively:

1. Input the Required Information
Provide the following key details to calculate the mutual fund returns:

• Investment Amount (₹): Enter the amount of money you are investing today.
• Expected Interest Rate (p.a. %): Enter the annual interest rate as a percentage (e.g., 12%).
• Time Period (Years): Select the number of years over which you wish to calculate the returns (e.g., 2 years).

Note: You can enter values in three ways:

1. Using the keyboard: Manually input the value into the text box.
2. Using the scroll bar: Adjust the value by dragging the scroll bar located below the input box.
3. Up/Down Buttons: Located in the right corner of the input box, you can click the up button to increase the value or the down button to decrease it.

2. Calculation Process & Results

Once the details are entered, the calculator will automatically compute and display the following results:

1. Invested Amount: The amount you invested initially (e.g., ₹5,00,000).
2. Interest Amount: The total interest earned on your investment over the selected period (e.g., ₹1,27,200).
3. Return on Investment (%): The percentage increase in your investment based on the interest amount.
4. Total Amount: The total value of your investment after applying the interest (e.g., ₹6,27,200).

3. Detailed Breakdown

The calculator provides a year-by-year breakdown of how your investment grows. This information is shown in both a detailed table and a visual diagram, helping you track the progress of your investment.

Table Breakdown:
The table will display the following columns:

1. Year: Indicates the specific year in your time period (e.g., Year 1, Year 2, etc.).
2. Invested Amount (Yearly Investment): The amount you have invested at the beginning of the year.
3. Total Amount: The total value of your investment at the end of each year, including the principal and interest.
4. Interest Amount (Yearly Interest):
   1. Interest Amount: The total interest earned on your investments till last year.
   2. Yearly Interest: The interest earned only for that particular year. It is calculated as the difference between the total interest at the end of the year and the total interest from the previous year.

Additional Features of the Mutual Fund Returns Calculator

The Mutual Fund Returns Calculator comes with several user-friendly features designed to improve your experience and provide a detailed breakdown of its functionalities. Below are the key features:

Feature 1: Numbers Format Checkbox

A checkbox labeled ‘Numbers Format’ appears when you click the minus symbol (⛔) in the top-right corner of the calculator.

When checked: All numbers in the calculator will be displayed in the Indian number format (e.g., ₹1,00,000).
When unchecked: Numbers will be displayed in the International number format (e.g., ₹100,000).

Feature 2: Advanced Table Checkbox

A checkbox labeled ‘Advanced Table’ appears when you click the minus symbol (⛔) in the top-right corner of the calculator.

• When checked: The advanced table will be displayed below the result section.
• When unchecked: The advanced table will be hidden.

Feature 3: Numbers in Words

1. Hover to View Numbers in Words: When you hover your mouse over any result section (such as Present Amount, Growth Amount, Growth Rate(%), or Future Amount), the number will also be displayed in words.

• Indian Format: If the ‘Numbers Format’ checkbox is checked, numbers will appear in words following the Indian system (e.g., ₹10,00,000 will be shown as “10 Lakh”).
• International Format: If the ‘Numbers Format’ checkbox is unchecked, numbers will follow the International system (e.g., ₹1,000,000 will be displayed as “1 Million”).

2. Real-Time Conversion: As you enter values or adjust the amount using the scrollbar in the ‘Present Amount’ fields, the corresponding number will automatically displayed in words. (similar to the hover functionality.)

Note: Numbers in Words will appear in the center of the page as a tooltip and remain visible for 15 seconds only.

This feature makes the results more readable and helps you understand the figures better by seeing them in both numeric and word formats.

Why Use the Mutual Fund Returns Calculator?

The Mutual Fund Returns Calculator is a valuable tool for anyone looking to:

1. Time-Saving: Rather than manually performing complex calculations, the tool quickly provides accurate results, saving time and reducing the risk of errors.
2. Real-Time Conversion Feature: The tool offers convenient features like viewing numbers in words while entering values or adjusting the amount using the scrollbar. It supports both Indian and International formats (e.g., “10 Lakh” or “1 Million”), making data entry more user-friendly.
3. Additional Features: The tool enhances readability and accessibility with features like hovering over results to view numbers in words and choosing between Indian or International formats.
4. Visualization: Our calculator provides a circular view that shows the relationship between the Invested Amount and Interest Amount, offering a quick visual representation of your data.
5. Advanced Table and Diagram View: Mutual Fund Returns Calculator provides a year-by-year value change to show how your money grows over time. This breakdown is displayed in both a detailed table and a visual diagram, helping you understand the impact of inflation on your investment year by year.

Advantages of Mutual Fund Returns Calculator over Manual Calculations

Calculating Mutual Fund returns manually can be a tedious and error-prone process. Here’s why a Mutual Fund Returns Calculator is better:

• Error-Free: Mutual Fund Returns calculators eliminate the chances of mistakes that often occur with manual calculations.
• Quick Results: Instead of spending time calculating complex formulas, you can get instant results with a Mutual Fund Returns calculator.
• User-Friendly: The simple interface of Mutual Fund Returns calculators makes them accessible to everyone, regardless of their financial knowledge.

Conclusion: Our Mutual Fund Returns Calculator will simplify your calculations and ensure accuracy.

My Request to All: If you enjoy using my Mutual Fund Returns Calculator and website, please consider sharing the link of this page or the website with your friends. Additionally, if you have any requests, complaints, suggestions, or feedback, feel free to reach out via our WhatsApp channel or Telegram group.

Telegram Link- Click Here

Youtube Link- Click Here

For more tools, please visit our homepage at Calculationclub.com.

For additional tools in Hindi, you can visit Meter to Feet

Thank you for your support!