Mutual Funds Calculator

Everyone has distinctive financial goals, be it for retirement, education or marriage. One should be clear about their financial goals before calculating the customized portfolio of their investments. This can be done either through Systematic Investment Plan or by investing a lump-sum amount for a wide range of mutual fund products. Keeping in view, this has to be decided by an investor beforehand.

The decision can be taken by using the Mutual Fund Calculator which helps the investors to calculate their investments and to verify their financial goal.

Different types of Mutual Fund Calculator

There are different types of Mutual Fund calculator and the decision to choose which one can be taken by using the Calculator which helps the investors to calculate their investments and to verify their financial goal.

Mutual Fund Returns Calculator

Are your mutual funds giving you favourable returns? The Mutual Fund Returns Calculator provides you an answer by calculating the fund returns for the period chosen by you. It also shows the returns and performance rank of the fund within its peer group for different time period. Use the Mutual Fund Returns Calculator for evaluating the performance returns of your scheme as:

  1. Enter the name of Mutual Fund
  2. Enter the scheme name of the Mutual Fund
  3. Enter the date of returns for the selected time period which you want to access with.

Mutual Fund Ranking Calculator

The Mutual Fund ranking calculator helps an investor to know about the performance of overall mutual fund schemes under their designated category of funds for a particular time intervals such as 7 days, 15 days, 1 month, 3 months, 6 months, 1 year, 3 years and so. The comprehensive details will reveal the returns and performance rank of the fund. An investor will decide their investments suitably as to which mutual fund scheme they need to choose for.

The following calculators help the mutual fund investors for making their financial decisions in accordance with their objectives, which are described below:

Mutual Fund SIP Return Calculator

SIP is a method of investing a fixed amount, regularly, in a mutual fund scheme. SIP permits an investor to purchase the units on a given date each month so that one can execute their saving plan for themselves. The major advantage of SIP is that one need not time the market. By using SIP Calculator, one can know how small investments made at regular intervals can reap much better returns to them over a long period of time.

With the help of SIP Return calculator, check the returns generated by your SIP Investments in a particular fund till date. Follow the steps by using this calculator :

  1. Select the name of AMC with whom you would like to invest.
  2. Select the scheme name of that particular AMC you would be investing.
  3. Enter your investment amount in INR.
  4. Enter the SIP frequency-Monthly or Quarterly.
  5. Enter the SIP date from the starting date of your investment till its maturity.

Tax Savings Calculator

Investors planning for tax savings can use tax savings calculator in order to assess how much tax can be saved by investing in ELSS, NPS, and other 80C instruments. Follow the steps as given below:

  1. Enter your Total Amount for the year.
  2. Enter the amount generated (after adding both employer and employee contribution) in your Employee Provident Fund(EPF) account.
  3. Enter the amount which you invest in Public Provident Fund(PPF) account.
  4. Enter the premium amount which you pay towards your Life Insurance
  5. Enter the returns yield by your 5-Year Bank Fixed Deposit
  6. Enter the repayment amount for your house loan (principal portion)
  7. Enter the Tuition Fees going towards your child's education
  8. Enter the amount for 'Any other Kind of Investment' being made(the sum total amount)

After submitting all the above details, the calculator will show the total deductions made under Section-80 C of the Income Tax Act 1961 & your total income after deductions. The final result obtained will also show the amount of savings which can be made by investing in other financial instruments.

The Tax Savings Calculator shows the calculations based only on 80C investments and doesn't consider other tax saving options like 80D, 80G etc.

Your Monthly Needs Calculator

An investor wishes to have ₹ 10 lakhs in 5 years. He wanted to know how much savings would be done while investing in SIP on a monthly basis from now until then. By using the calculator of monthly needs, he would ascertain the amount of money required by him at a particular point of time and would like to know what the SIP amount should be.

In order to calculate the SIP amount for your investment needs, simply enter the following details:

  1. Enter the target value of amount(in INR) i.e. ₹ 10 lakhs in above case.
  2. Enter the number of months i.e. 5 years in above case.
  3. Enter the expected annual return on investment (in percent, CAGR)

The final result obtained by the calculator will show the amount on a monthly basis, which you need to save and invest.

Child's Education Calculator

Before making any investment, it is essential for an investor to know what will be the future cost of their child's education. This education calculator considers the effect of inflation for arriving at the amount one needs to save every month so as to provide quality education for their child. Just enter the following details in the calculator :

  1. Enter the total Cost of Course in today's value (in INR)
  2. Enter the number of years to reach the goal.

The child's education calculator calculates the total cost of the course after 5 years in INR & will also show the monthly investment need after taking into account the expected inflation percentage and expected return on investment.

Child's Marriage Calculator

Before making an investment, it is essential for you to know what will be the future cost of conducting a wedding. This wedding calculator will calculate the amount which you need to save every month after considering the effect of inflation.

In order to arrive at the desired amount, just enter the following details :

  1. Total wedding cost in today's value in INR
  2. The number of years to reach the goal.

After submitting the above details, the calculator will show you the total wedding cost in INR & monthly investment required for the wedding. The final value will arrive after taking into account expected inflation and expected return on savings.

Retirement Needs Calculator

Rising cost of living can play havoc in the golden years of any investor. Thus, an investor needs to ensure how much wealth is to be built-up for having smooth cash flows for meeting their post-retirement needs. The retirement needs calculator will reveal how much one needs to save for building a sum that will sufficiently meet their monthly expenses post retirement. Just enter the details in the calculator for arriving at the desired value.

  1. Your current monthly expenses in INR
  2. Your current age
  3. Your retirement age
  4. Your expected life- span
  5. Your current value of existing investments

After submitting the above details, the retirement needs calculator will show you the final values under following categories :

  1. Monthly savings required to build the retirement corpus
  2. Period for which monthly income is needed
  3. Monthly requirement first year after retirement
  4. Total amount needed to generate monthly income that grows with inflation
  5. Corpus that needs to be built
  6. Period available to build retirement corpus

Step-up SIP Calculator

A step-up SIP, also called as growth SIP or increasing SIP or top-up SIP is one where amount towards monthly contribution gets increased each year either by a fixed amount or by a fixed percentage of the current contribution.

Inputs required in Step-up SIP Calculator are as follows:

  1. Your Starting Investment in INR
  2. Your Increment in INR
  3. Frequency of your Step-up SIP Calculator- Yearly or Half-yearly
  4. Expected return in percentage
  5. Number of years

After submitting the above details, a final value is shown which you would be expecting to have at the end of the Step-up SIP tenure.

Lump Sum Calculator

Lump Sum Calculator is used to figure out what the lump-sum investment made today by an investor will amount to after a particular period of time at a specified rate of return. Just enter the amount with time and an expected rate of return and see how the power of compounding calculates the result for you. For example : An investor invests an initial amount of ₹ 10 lakhs at an expected returns 15% p.a. for the period of 20 years. The Lump sum calculator will calculate the maturity value which comes out to be ₹ 1,63,66,537.39. Hence, the money is actually multiplied by 16.37 times of the actual amount paid i.e. ₹ 10 lakhs.

SIP Delay Cost Calculator

SIP Delay Cost Calculator shows an investor how much amount would be lost just by delaying the investment. This calculator is applicable on Systematic Investment Plan. The calculator is used by most of the mutual fund advisors to show their clients how the delay in investments cost them. The significant principle in investments for a long term is the magic of compound growth. An initial amount provides highest returns in case of long- term investments because of the compounding effect.

Inputs required in SIP Delay Cost Calculator are as follows:

  1. Monthly investment in Systematic Investment Plan
  2. Proposed investment period in years
  3. Estimated/expected returns from investment per year(in %)
  4. Delay in months

The final delay value would be shown after submitting the above details. It is evident that a small delay of 2-3 months can carry a high negative impact on total returns. In fact, the initial investment of 5 or 6 months in a 20 year period can be a massive contributor to total returns.

Mutual Fund SWP Calculator

A Systematic Withdrawal plan helps an investor to withdraw their specified sum of money and units from the fund account at pre-defined time periods. It permits the investor a certain level of freedom from market instability and helps them to overcome the market timing. The investor can reinvest the redeemed cash in some other portfolio or use it as a form of their regular income. It is appropriate for retirees who are searching for a fixed flow of income. SWP assists the investors in fulfilling their liquidity objective as it allows them to access their money precisely while shifting in other schemes. Just enter the following details in Mutual Fund SWP Calculator for arriving at the desired value and returns.

  1. Enter the name of Asset management company
  2. Enter the scheme name of Asset management company
  3. Enter the lump-sum amount which you wish to invest in SWP
  4. Enter the date of investment for lump-sum amount
  5. Enter the withdrawal amount
  6. Enter the date at which you want to know about the final value of your initial SWP investment
  7. Enter the period of remaining invested in SWP
  8. Enter the SWP period -the start date and the end date of your investment in SWP

Mutual Fund STP Calculator

A systematic transfer plan is a disciplined process of shifting part of your current investment into other schemes which will help you to diversify your investments. An STP allows an investor to switch or transfer a specified amount of money at regular intervals from your fixed income schemes to designated equity and balanced schemes.

  1. Enter the name of Asset management company(AMC)
  2. Enter the name of mutual fund scheme to transfer
  3. Enter the name of another mutual fund scheme within the same AMC to transfer
  4. Select the initial investment option
  5. Select the tenure
  6. Enter the initial investment amount
  7. Enter the date of initial investment
  8. Enter the STP transfer amount
  9. Select the time interval of your new scheme in STP
  10. Select the frequency -daily/weekly/fortnightly/monthly/quarterly of remaining invested in your new mutual fund scheme
  11. Enter the STP period -the start date and the end date of your investment in STP


DISCLAIMER - Mutual Fund investments are subject to market risks. Please read all the scheme related documents carefully before investing.