Apply Online 
- ₹1
- ₹1 Cr
- 1 Year
- 50 Years
- 1%
- 100%
Please note, these calculators are designed to provide you an approximate amount. Consult an advisor/tax consultant prior to investing.
Total amount invested
₹10,000
Returns
₹10,000
Total wealth accumulated
₹10,000
Explore our Mutual Fund videos
Do-It-Yourself: The new way of investing in SIP
How to apply for a personal loan online?
Share
How to check eligibility for personal loans?
Share
How to check eligibility for personal loans?
Share
Mutual Fund Calculator
A Mutual Fund (MF) calculator is an online financial tool that helps you, the investors, understand the final value of your investments. You only need to put the fundamental details of your investment, and you will get the final return amount using this calculator. Knowing the maturity amount before investing is a smart step in any investment as it helps you plan better and invest to meet your financial goals.
Benefits of using an MF Calculator
Here are some of the key advantages of an MF calculator –
-
Using an MF calculator is very easy. The user interface is simple, and anyone can navigate and use it without much trouble.
-
You can use the calculator from anywhere and get instant results.
-
The results provided by this calculator are accurate, so you can make the right investment decision.
-
It gives you the option of knowing your maturity for a one-time investment and a SIP investment. Also, you get to know the results at different interest rates, which makes it easier to compare and come to a better conclusion.
-
Knowing your maturity amount helps in your planning of future financial investments.
How to use the MF Calculator?
You can use an MF calculator for two types of investments –
Lump sum investment
When you make a lump sum investment in an Mutual Fund, you can easily utilise this calculator to find the final return amount. Here are the steps to use it –
Step 1: Select the option of one-time investment.
Step 2: Proceed to fill up the details like the total amount of investment, period of investment and expected rate of return.
Step 3: The online MF calculator will now show the value of your final maturity amount.
When it comes to a lump sum investment in MFs, the following formula is used to arrive at the maturity amount,
M = P (1 + r/100)^n
In the above formula –
-
M is the amount an investor will get at maturity
-
P is the monthly invested amount
-
n is the number of monthly payments made
-
i is the rate of interest
For example, If you invest Rs 10,000 per month for 10 years at 12%, you will receive Rs 23,23,391 on maturity.
Systematic Investment Plan (SIP) Investment
When you opt for a SIP, a fixed amount is deducted every month from your savings account and invested in an MF. This way, you do not need to worry about deposition; it will be automatic.
Here is the process of how you can see the return value of your investment through SIP.
Step 1: Same as the one-time investment, click on the option of SIP investment.
Step 2: Put the values of the total amount, duration of SIP and frequency of SIP
Step 3: Then, the calculator shows you the maturity value of your investment.
When it comes to the SIP calculator, the following formula is used to arrive at the maturity amount,
M = P × ({[1 + i]^n – 1} / i) × (1 + i).
In the above formula –
-
M is the amount an investor will get at maturity
-
P is the monthly invested amount
-
n is the number of monthly payments made
-
i is the rate of interest
For example, If you invest Rs 10,000 per month for 5 years at 12%, you will receive Rs 8.11 lakh on maturity.
Now, investing Rs 6 lakh as a lump-sum amount and using the same amount as SIP gives two different returns. Hence, it is very important to be aware of the difference in cumulative results of the two investment processes.
Ending note
The ultimate goal of any investment is to get the best returns, and an MF investment is no different. Having said that, since there are two ways to invest here, and both offer different outcomes, an MF calculator can help you find the right option.
Mutual Fund Blogs
8 mistakes to avoid while investing in Mutual Funds
10 Months Ago
Share
Questions to ask before investing in mutual funds
3 Years Ago
Share
A beginner’s guide to ELSS funds
1 Year Ago
Share
Mutual Fund Investment for your child’s future
2 Years Ago
Share
Mutual Fund Reviews
Invest Anywhere,
Anytime
Mobile Banking | Net Banking
WhatsApp Banking
Disclaimer
Mutual fund investments are subject to market risks, please read all scheme related documents carefully. ICICI Bank Limited shall not be liable or responsible for any loss or shortfall resulting from the operations of the Mutual Fund scheme. Terms and conditions of ICICI Bank and third parties apply.
