Mutual Fund Returns Calculator

Mutual funds pool money from multiple investors to invest in diversified portfolios of stocks, bonds, or other securities. Our calculator helps you understand potential returns from both SIP and lump sum investments while considering expense ratios.

The calculator factors in expense ratios which significantly impact long-term returns, especially the difference between direct and regular plans.

Investment Options:

• SIP (Systematic Investment Plan): Regular monthly investments
• Lump Sum: One-time investment

Fund Types:

• Equity Funds: Higher risk, higher potential returns
• Debt Funds: Lower risk, stable returns
• Hybrid Funds: Balanced mix of equity and debt

Plan Types:

• Direct Plans: Lower expense ratio, higher returns
• Regular Plans: Higher expense ratio due to distributor commission

Expense Ratio Impact:

• Equity Direct: ~1.25% expense ratio
• Equity Regular: ~2.25% expense ratio
• Debt Direct: ~1.0% expense ratio
• Debt Regular: ~2.0% expense ratio

Features:

• SIP and lump sum calculation modes
• Expense ratio impact analysis
• Direct vs regular plan comparison
• Visual growth charts
• Yearly breakdown with expenses