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Mutual Fund Returns Calculator

↻ Updated FY 2026-27

Enter what you invested, its current value and the holding period to get both the absolute return and the annualized return (CAGR) of your mutual fund investment.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Amount invested

Current value

Holding period

Annualized return

12.5%

CAGR over 5 yr

Absolute return

80%

total, not annualized

Total gain

₹4,00,000

profit

Invested vs current value

Invested₹5,00,000

Gain₹4,00,000

Return summary

Amount invested₹5,00,000

Current value₹9,00,000

Absolute return80%

Annualized (CAGR)12.47%

ASSUMPTIONS — Absolute return is the total percentage gain regardless of time. Annualized return (CAGR) smooths that gain across 5 years and assumes a single lump-sum investment. For SIPs with multiple instalments, XIRR gives a more accurate figure. Mutual fund returns are market-linked and not guaranteed.

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CAGR Lumpsum SIP

Sources & rate references

·Income Tax Department, India — tax slabs FY 2026-27 — New & old regime slabs, standard deduction, 87A rebate (AY 2027-28)
·Ministry of Finance — small savings interest rates (Jul–Sep 2026) — PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5%, POMIS 7.4% — unchanged
·GST Council (56th meeting) — GST 2.0 rate structure — Slabs 0/5/18/40% effective 22 Sep 2025
·EPFO — EPF interest rate — 8.25% p.a. (latest declared)
·Income Tax Department — capital gains (Budget 2024 rules) — Equity STCG 20%, LTCG 12.5% over ₹1.25L
·AMFI — SIP is market-linked; returns are assumptions

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.