PocketMutual Fund Calculator
Project mutual fund portfolio returns. Toggle between systematic monthly investments (SIP) or lump sum one-time deposits to estimate your wealth.
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Projected Wealth Growth
Mutual Fund Projections Calculation
For SIP (Systematic Investment Plan), the calculator assumes monthly compounding at the beginning of each period: FV = P × [ (1 + i)n - 1 ] / i × (1 + i). For Lumpsum, it uses: FV = P × (1 + r)t.
Worked Example
If you invest ₹5,000 per month in an equity mutual fund for 10 years at an expected 12% annual return:
- Monthly Deposit: ₹5,000
- Total invested: ₹6,00,000
- Estimated returns: ₹5,20,169
- Total Projected Value: ₹11,20,169
Frequently Asked Questions
What is the difference between SIP and lumpsum?
SIP involves depositing a fixed monthly amount systematically to average out market fluctuations. Lumpsum involves a one-time large deposit at a specific point in time.
Are mutual fund returns guaranteed?
No, mutual fund returns are linked to the performance of financial markets and are not guaranteed. However, historically, diversified equity funds generate 12-15% returns over long periods in India.
What is the difference between Direct and Regular plans?
Direct plans have lower expense ratios because they do not pay commissions to agents/brokers. Regular plans include agent commissions, making them slightly more expensive and yielding lower long term returns.
How are mutual fund gains taxed?
For equity funds, Short Term Capital Gains (STCG, held <1 year) are taxed at 20%. Long Term Capital Gains (LTCG, held >1 year) are taxed at 12.5% beyond a tax-free limit of ₹1.25 Lakh.
Can I stop my mutual fund SIP at any time?
Yes, you can pause, modify, or stop your SIP at any time without any penalty. The money already accumulated will continue to grow in the fund until you redeem it.