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  • ₹1
  • ₹1cr
Years
  • 1 Year
  • 50 Years
%
  • 1%
  • 13%

Actual results may vary depending on other factors. The above calculator is not to be considered as a recommendation of any Mutual Fund scheme distributed by ICICI Bank.

Total amount invested

10,000

Returns

10,000

You will have to invest 1,015 per month to achieve your goal.

Disclaimer: The final value of the investment shown is before deduction of taxes and the investor may incur tax liability on the capital gains Know More..

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What is a 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 a Mutual Fund Calculator

Here are some of the key advantages of an MF calculator –

  1. Using an MF calculator is very easy. The user interface is simple, and anyone can navigate and use it without much trouble.

  2. You can use the calculator from anywhere and get instant results.

  3. The results provided by this calculator are accurate, so you can make the right investment decision.

  4. 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.

  5. Knowing your maturity amount helps in your planning of future financial investments.

What Details are Required to Use a Mutual Fund Calculator Online?

There are three essential values that must be entered in order to use an online mutual fund calculator effectively:

Amount of Investment: State the amount of money you intend to invest in the mutual fund.

Period of the Investment: Type the length of time you plan to keep the investment; years are a popular unit of measurement.

Estimated Rate of Return: Give an estimate of the rate of return you anticipate receiving on your investment.

If you enter these facts accurately, the mutual fund calculator can estimate your investment returns over a given period. This facilitates budgeting and decision-making.

How does ICICI Bank’s SIP Mutual Fund Return Calculator work?

A Mutual Fund Return Calculator is a financial tool which helps estimate investment returns easily. Using a simple algorithm, it calculates potential returns based on your inputs. This user-friendly tool eliminates lengthy manual calculations, making it accessible to all investors. Whether you are considering Systematic Investment Plans (SIPs) or lump-sum investments, the calculator helps you check the expected future value of your mutual fund investment. It's a handy tool that simplifies the process, giving investors a quick and convenient way to assess their potential returns.

For SIP mode of investment

Follow the below steps to calculate the return value of your investment through SIP.

Step 1: Select the option of SIP

Step 2: Choose your target or investment amount

Step 3: Enter your investment or SIP amount

Step 4: Select the SIP duration

Step 5: Enter the expected rate of return.

After entering all the values, click ‘Calculate’. The calculator will display the estimated maturity value or the required investment amount to achieve your goal.

How to use the MF Calculator?

For lump sum mode of investment

Step 1: Select the option of one-time investment

Step 2: Choose your target or investment amount

Step 3: Enter your initial investment amount

Step 4: Select the duration

Step 5: Enter the expected rate of return.

After entering all the values, click ‘Calculate’. The calculator will instantly display the estimated maturity value or the required investment amount to achieve your goal.

For example, If you invest Rs 5,00,000 lump sum for 10 years at 12% per annum, you will receive Rs 15,52,924 on maturity.

For SIP mode of investment

Follow the below steps to calculate the return value of your investment through SIP.

  • Step 1: Select the option of SIP
  • Step 2: Choose your target or investment amount
  • Step 3: Enter your investment or SIP amount
  • Step 4: Select the SIP duration
  • Step 5: Enter the expected rate of return.

After entering all the values, click ‘Calculate’. The calculator will display the estimated maturity value or the required investment amount to achieve your goal.

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.

How Can a Mutual Fund Calculator Help Investors?

Investors exploring mutual funds should take into account several factors. Among these are various types of mutual fund returns available, including absolute, annualised, total, trailing, point-to-point, and rolling returns.

The mutual fund return calculator serves as a valuable tool, simplifying the investment process and making it more accessible. It offers flexibility for future financial planning and investments, allowing projections for fixed-tenure periods. With its user-friendly interface, even those without specialised knowledge in the field can easily navigate and project returns. This tool is exceptionally user-friendly, making it beneficial for both novice and experienced investors to confidently approach short and long-term financial goals and make informed decisions.

Mutual Fund Calculator FAQs

Does a Mutual Fund Calculator Guarantee Accurate Future Returns?

Estimates are provided by a mutual fund calculator using the assumptions and input data as a basis. Due to changes in investment performance, unanticipated events, and market movements, actual returns may differ. Although it is a useful tool for financial planning, it cannot ensure exact returns in the future.

What is the Importance of the Expected Rate of Return in a Mutual Fund Return Calculator?

A mutual fund return calculator's predicted return is dependent on the expected rate of return. This is essential since it serves as the foundation for projecting future investment growth. It supports investors in estimating possible returns, making wise choices, and efficiently planning their financial objectives. For example, a difference of 1% in the rate of return on index fund over 10 years on sum of Rs. 10,000 per month can be understood as:

 

SIP Amount= Rs. 10,000

Rate of Return= 10%

Tenure= 10 years

Expected Amount= Rs. 20,65,520

While as,

SIP Amount= Rs. 10,000

Rate of Return= 11%

Tenure= 10 years

Expected Amount= Rs. 21,89,873

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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.

The final value of the investment shown is before deduction of taxes and the investor may incur tax liability on the capital gains. The output provided by the calculator should not be considered as an investment advice, nor as indicative of the performance of any scheme(s) distributed by ICICI Bank. ICICI Bank shall not be responsible/liable for any investment decisions taken based on the output provided by the calculator. The illustration is based on various assumptions including (i) returns of the scheme(s), (ii) consistent market conditions, (iii) continuity of SIP (Systematic Investment Plan), etc. Any of the assumptions may or may not be true in all market conditions. Inflation rate considered, is basis the general market trends and historical data. Exit Load, STT (Securities Transaction Tax), Stamp Duty and tax impact are not taken into consideration in the illustration.

Investors using this calculator are advised to consult their financial advisors before making any investment decisions. This calculator aims to help investors to determine a suitable SIP instalment amount to invest in order to achieve their desired financial goals.