Enter Investment type, Investment amount ($) and Expected return (%) and the remaining scenario settings to review final value with this tool. The projected balance represents a smooth assumed growth path.
Mutual funds grow through compound interest on your lump sum or SIP investments. Here's the math:
The mutual fund formulas:
Key insight: Mutual funds offer diversification and professional management. Long-term investing (10+ years) has historically delivered 10-15% returns.
| Year | Balance | Invested | Returns |
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Click "Calculate" to see your investment growth |
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Future value = P(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) − 1) ÷ (r/n)]
The exact terms used depend on the contribution and compounding frequency selected.The calculation links Investment type, Investment amount ($) and Expected return (%) to final value. The projected balance represents a smooth assumed growth path. It does not reproduce the fluctuating net asset value of a real fund.
Enter Investment type, Investment amount ($) and Expected return (%) and the remaining scenario settings to review final value with this tool. The projected balance represents a smooth assumed growth path.
Project a mutual-fund savings scenario from an initial amount, recurring investment and an assumed return. Compare the effect of investing regularly over different horizons.
The projected balance represents a smooth assumed growth path. It does not reproduce the fluctuating net asset value of a real fund.
Prepare Investment type, Investment amount ($), Expected return (%), Time period (years), Expense ratio (%) and Exit load (%). Use the same contribution interval across scenarios and review growth separately from the money invested.
The projected balance represents a smooth assumed growth path. It does not reproduce the fluctuating net asset value of a real fund. Expense ratios, loads, taxes, withdrawals and variable contribution dates can affect returns. A historical fund return is not a guaranteed future rate.
Use the full settings in the worked-example table. They produce Final Value: $28089. Compare the method and units as well as the displayed number.
The displayed relationship is Future value = P(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) − 1) ÷ (r/n)] The exact terms used depend on the contribution and compounding frequency selected. Use the same contribution interval across scenarios and review growth separately from the money invested.
Expense ratios, loads, taxes, withdrawals and variable contribution dates can affect returns. A historical fund return is not a guaranteed future rate. For a transaction or account decision, compare the inputs with the applicable statement, contract or official rules.
Worked mutual fund calculator example. Set Investment type = Lump Sum; Investment amount ($) = 10000; Expected return (%) = 12; Time period (years) = 10; Expense ratio (%) = 1; Exit load (%) = 0. The corresponding output is Final Value: $28089. The projected balance represents a smooth assumed growth path.
Project a mutual-fund savings scenario from an initial amount, recurring investment and an assumed return. Compare the effect of investing regularly over different horizons.
Use the same contribution interval across scenarios and review growth separately from the money invested.
| Field | Example value | Entry check |
|---|---|---|
| Investment type | Lump Sum | Use the amount for this scenario in the currency and period shown by the field. |
| Investment amount ($) | 10000 | Use the amount for this scenario in the currency and period shown by the field. |
| Expected return (%) | 12 | Enter a percentage in the form requested by the field, keeping its stated time basis. |
| Time period (years) | 10 | Use the period unit in the field label; months and years are not interchangeable. |
| Expense ratio (%) | 1 | Enter a percentage in the form requested by the field, keeping its stated time basis. |
| Exit load (%) | 0 | Enter a percentage in the form requested by the field, keeping its stated time basis. |
Relationship used for this example: Future value = P(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) − 1) ÷ (r/n)] The exact terms used depend on the contribution and compounding frequency selected.
The projected balance represents a smooth assumed growth path. It does not reproduce the fluctuating net asset value of a real fund.
| Output | Displayed result |
|---|---|
| Final Value | $28089 |
With these settings, final value is $28089. Use the same units and calculation mode when reproducing this example.
The projected balance represents a smooth assumed growth path. It does not reproduce the fluctuating net asset value of a real fund. Expense ratios, loads, taxes, withdrawals and variable contribution dates can affect returns. A historical fund return is not a guaranteed future rate.
Replace the illustrative investment type value (Lump Sum) with your own value, then complete the other inputs for the same scenario. Use the same contribution interval across scenarios and review growth separately from the money invested.