Direct Mutual Fund Returns Calculator
Mutual funds are a great way to achieve your financial goals. PriceBridge’s mutual fund calculator helps you estimate the potential returns on your investments, whether you’re making a lump sum or SIP investment. With this tool, you can quickly determine the capital gains and maturity amount of your mutual fund investments.
₹10.00 Lakhs
10 Years
12.00%
Start Investing in Mutual Funds Today
| NOTABLE MF | 1 Month | 3 Months | 6 Months | 1 Year |
|---|---|---|---|---|
| Quant Focused Fund | 3.70% | 12.48% | -2.47% | -0.33% |
| Canara Robeco Bluechip | 2.09% | 12.73% | 2.50% | 13.55% |
| Mirae Asset Large & Midcap Fund | 4.26% | 16.07% | -0.11% | 8.91% |
| ICICI Pru Focused Equity Fund | 2.60% | 16.67% | 5.07% | 16.95% |
| Kotak Equity Opportunities | 4.55% | 15.38% | -0.68% | 6.39% |
| Mirae Asset Focued Fund | 4.75% | 14.40% | -0.26% | 16.87% |
| (IIFL)360 ONE Focused Equity | 3.80% | 11.96% | -0.10% | 6.97% |
| PGIM India Flexicap | 2.47% | 13.66% | 1.01% | 13.13% |
| Motilal Oswal Flexi Cap Fund | 5.03% | 13.92% | -3.19% | 19.69% |
| Parag Parikh | 2.87% | 7.70% | 3.63% | 15.73% |
| PriceBridge Direct MF*(since 4th May 2023) | 4.23% | 13.85% | -0.65% | 6.54% |
PriceBridge Mutual Fund Calculator - How it Works and Why it Matters?
What Is a Mutual Fund Calculator?
A mutual fund calculator is a simple yet powerful tool designed to help you estimate the future value of your investments. By entering basic inputs—like how much you plan to invest, for how long, and your expected return—it gives you a quick projection of how your money can grow. This calculator helps you check whether your current investment plan is aligned with your long-term financial goals.
How to Use the PriceBridge Mutual Fund Calculator ?
Our tool is built for ease and clarity. Here’s how it works:
- Enter Your Lump Sum Investment
Start by entering the amount you’d like to invest as a one-time contribution. - Fill in Your Details
Enter the time period and your expected annual return rate.
View the Results: Get instant insights into your investment’s projected value, along with a clear breakdown of your capital and estimated gains.
What’s the Formula Behind the Numbers?
Though the calculator handles the math for you, it’s useful to know the basic logic:
| Lumpsum investment formula | SIP investment formula |
|---|---|
| M = P x (1+R)^n | M = A [ (1 + i)n – 1] x (1 + i)/i |
| Where: M = Maturity amount P = Principal amount r = Estimated rate of return n = Holding period (in years) | Where: M = Maturity amount A = SIP contribution per period i = Rate of return n = Holding period (in months) Note: For daily/weekly SIPs, adjust i and n accordingly. |
You should know two things about both formulas.
First, the formula used in the lump sum formula is CAGR (compound annual growth rate) while the one used in the SIP formula is XIRR (Extended Internal Rate of Return). The reason is that CAGR works only for calculating returns on a point-to-point basis. When there are multiple cash flows (like in the case of SIP), you need to use XIRR because the returns for each cash flow will differ. XIRR helps you calculate a single return percent for all cash flows and is, therefore, relevant to SIPs. If you are keen to learn more about this, click on XIRR and CAGR to know more.
It’s also worth noting that the based on the scheme you choose and whether you choose a direct or regular plan. The fund house will deduct their commission from your returns when you invest through the regular mode (i.e., through a broker, advisor, or distributor). Since a direct plan doesn’t involve an intermediary, you don’t pay any commission, which reduces the expense ratio and translates to relatively higher returns. Preferably, you’d want to go with a direct plan when choosing mutual fund schemes in India because you’ll end up with relatively higher returns.
For instance, let’s assume that the difference in the expense ratio between the direct and regular plan of a scheme is 0.75%. Following are the returns and the investment value calculated using the mutual funds calculator for direct vs regular plans, considering an investment of ₹6 lakh over 10 years:
| Factors | Direct | Regular |
|---|---|---|
| Expected return before expense ratio (p.a.) [A] | 13% | 13% |
| Expense ratio [B] | 1% | 1.75% |
| Expected return after expense ratio (p.a.) [A - B] | 12% | 11.25% |
| Total returns (based on expected returns after expense ratio) | ₹12.64 lakh | ₹11.42 lakh |
| Maturity value | ₹18.64 lakh | ₹17.42 lakh |
Note that by simply choosing to invest in a direct plan (i.e., without taking any additional risk), you’re able to increase your returns substantially. You can invest in a direct plan online with just a couple of steps through the Mutual Funds Money website.
Why Use PriceBridge Mutual Fund Calculator?
- Helps set realistic investment expectations
- Makes financial planning more data-driven
- Offers clarity on whether you’re investing enough
- Enables smarter, long-term decision-making
What Affects the Accuracy of the Mutual Fund Returns Estimator?
The accuracy of your results depends on the assumptions you enter—such as the expected return, investment time frame, and fund expenses. Since mutual funds are linked to market performance, real-world results may vary from the projections shown.
Is the PriceBridge Mutual Fund Calculator Free?
Absolutely. Our calculator is completely free and available online anytime. Use it as often as you need to plan and review your investment strategy.
Will This Show the Difference Between Direct and Regular Plans?
Yes. Since direct mutual fund plans have lower costs, they typically yield better net returns over time. Our calculator helps illustrate this difference clearly so you can make informed decisions.
Can I Use It for Both Short-Term and Long-Term Planning?
Yes. Whether you’re investing for a few months or a few decades, the tool adjusts to your timeline and shows the potential growth of your investment accordingly.
By simply opting for a direct mutual fund plan—without taking on any extra risk—you can significantly boost your long-term returns. At PriceBridge, we make the switch easy and seamless through expert-managed PMS services tailored to your goals.