Mutual Fund Returns Calculator

Calculate absolute, annualized, and XIRR returns on mutual fund investments.

Total Amount Invested

₹

Current Value

₹

Holding Period

years

Results

Absolute Return50%

Annualized Return (CAGR)14.47%

Total Profit/Loss₹2.50 L

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What is Mutual Fund Returns?

Mutual Fund Returns Calculator helps you measure the performance of your mutual fund investments. There are multiple ways to measure returns — absolute return (total gain), CAGR (annualized return), and XIRR (for SIP investments with multiple cash flows).

Understanding these metrics is crucial for comparing different funds. A fund with 100% absolute return sounds great, but if it took 10 years, the CAGR is only 7.2% — worse than a simple FD.

Formula

Absolute Return = ((Current Value − Invested Amount) / Invested Amount) × 100

CAGR = ((Current Value / Invested Amount)^(1/years) − 1) × 100

For ₹5,00,000 invested, now worth ₹7,50,000 after 3 years: - Absolute Return = 50% - CAGR = (1.5^(1/3) − 1) × 100 = 14.47%

How to use this Mutual Fund Returns Calculator?

1. Enter the total amount you invested. 2. Enter the current portfolio value. 3. Enter the holding period in years. 4. See your absolute return, CAGR, and total profit/loss.

Frequently asked questions

What is XIRR and how is it different from CAGR?

XIRR (Extended Internal Rate of Return) accounts for multiple cash flows at different dates — ideal for SIPs. CAGR works for single lumpsum investments. For SIP portfolios, always use XIRR.

What returns should I expect from mutual funds?

Historical averages for Indian mutual funds: Large-cap 10-12%, Multi-cap 12-15%, Mid-cap 14-18%, Small-cap 15-20% CAGR over 10+ years. Past performance doesn't guarantee future results.

Are mutual fund returns taxable?

Equity funds: STCG at 20% (held < 1 year), LTCG at 12.5% above ₹1.25L (held > 1 year). Debt funds: Taxed at your income slab regardless of holding period.

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