Investment
Mutual Fund Returns Calculator
Project mutual fund lumpsum returns, adjusted for expense ratio drag.
Investment details
₹5.00 L
Direct plans typically 0.5–1%
Net future value
₹18,46,156
Net return: 11.50%
- Gross future value
- ₹21,67,262
- Cost of TER
- ₹3,21,105
- Wealth gained (net)
- ₹13,46,156
Formula: FV = P × (1 + (r − TER))ᵗ. Uses annual compounding.
Invested vs returns
- Invested
- Returns
Total: ₹18.46 L
Formula
How the math works
Net FV = P × (1 + (r − TER))ᵗ
- P
- Lumpsum investment
- r
- Gross annual return %
- TER
- Total expense ratio %
- t
- Years
Method
How it works
- 1
Enter your lumpsum investment and expected fund return.
- 2
Add the fund’s expense ratio (TER) — usually 0.5% for index funds and 1–2% for active funds.
- 3
CalcPe deducts TER from the gross return and compounds annually.
- 4
You’ll see the net future value and how much TER cost you.
Worked example
A quick walkthrough
Inputs
₹5,00,000 in an equity fund at 13% gross return, 1.5% TER, for 12 years.
Steps
- Net return = 13 − 1.5 = 11.5%
- FV = 5,00,000 × (1.115)¹²
- FV ≈ ₹18,50,000
Result
Net value ≈ ₹18.5 L · TER dragged returns down by ~₹3.5 L over 12 years.
Why use it
Why CalcPe’s Mutual Fund Returns Calculator
- See the real net return your fund delivers after fees.
- Compare index funds vs actively managed schemes.
- Prefer direct plans — often 0.5–1% lower TER than regular.
- Perfect for goal-based planning.
FAQ
Frequently asked questions
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