Mutual Fund Calculator

Use our free mutual fund calculator to estimate the returns on your mutual fund investments. Enter the NAV, expense ratio, exit load, and investment details to see projected growth and actual returns after costs.

Financial

Currency

Investment Mode

Lump Sum Amount / Monthly SIP Amount

Current NAV

Expected Annual Growth Rate (%)

Investment Horizon (years)

years

Expense Ratio (%)

Exit Load (%)

Exit Load Period (months, 0 = always applies)

months

Formula

Mutual fund returns are affected by NAV changes, expense ratios, and exit loads. This calculator provides a realistic projection of your mutual fund investment after accounting for all these costs.

Units = Investment / NAV, FV = Units Ã— NAV Ã— (1 + r - ER)^t, Net = FV Ã— (1 - Exit Load if applicable)

Percentage: The percentage value you want to apply

Number: The original number or value

Result: The calculated result

How It Works

1Choose between lump sum and SIP (monthly) investment mode.
2Enter the current NAV and expected annual growth rate.
3Include the expense ratio and any exit load charges.
4The calculator projects the maturity value after all costs.

Examples

$50,000 lump sum in a fund with NAV 100, 12% growth, 1.5% expense ratio over 5 years

1.Units purchased = $50,000 / 100 = 500
2.Net annual return = 12% - 1.5% = 10.5%
3.Future NAV = 100 Ã— (1.105)^5 = 164.74
4.Maturity = 500 Ã— 164.74 = $82,370

Result: $82,370

Frequently Asked Questions

Net Asset Value (NAV) is the price per unit of a mutual fund. It represents the fund's total assets minus liabilities divided by the number of outstanding units.

The expense ratio is deducted from the fund's returns annually. A 1.5% expense ratio on a 12% gross return means your effective return is 10.5%.

Exit load is a fee charged when you redeem your mutual fund units before a specified period. It is usually a percentage of the redemption amount.

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Mutual Fund Investing Guide

CalculateMe Team

Last updated: 2026-07-15

Frequently Asked Questions

Net Asset Value (NAV) is the price per unit of a mutual fund. It represents the fund's total assets minus liabilities divided by the number of outstanding units.

The expense ratio is deducted from the fund's returns annually. A 1.5% expense ratio on a 12% gross return means your effective return is 10.5%.

Exit load is a fee charged when you redeem your mutual fund units before a specified period. It is usually a percentage of the redemption amount.

Mutual Fund Calculator

Formula

How It Works

Examples

$50,000 lump sum in a fund with NAV 100, 12% growth, 1.5% expense ratio over 5 years

Frequently Asked Questions

What is NAV?

How does the expense ratio affect returns?

What is exit load?

Related Calculators

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Mutual Fund Calculator

Formula

How It Works

Examples

$50,000 lump sum in a fund with NAV 100, 12% growth, 1.5% expense ratio over 5 years

Frequently Asked Questions

What is NAV?

How does the expense ratio affect returns?

What is exit load?

Related Calculators

Related Articles