Mutual Fund Calculator – 10 Years Returns Calculation

mutual fund calculator

Mutual Fund Calculator helps you to estimate the maturity amount and profits you’ll get by investing in mutual funds after specific time period. This will eventually help you to plan and achieve your financial goals.

Below is the Mutual Fund Calculator for SIP (Systematic Investment Plan), which is a way to invest in mutual funds.

SIP in Mutual Fund Calculator

Share above calculator with your friends and family members to help them calculate estimated returns in mutual funds.

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Table of Contents

What are Mutual Funds?

  • Mutual Funds contain list of stocks (companies) in which the mutual funds invest your money
  • Every mutual fund has a fund manager associated with it, who manages the mutual fund
  • Fund manager and his / her team is responsible to select best companies stocks in that mutual fund to maximize returns on your investments
  • You can choose to invest on regular basis with the help of SIP (Systematic Investment Plan) or you can also invest lump sum amount in mutual funds
  • Any amount can be invested in mutual funds starting from Rs. 500 at least
  • The goal of investing in mutual funds is to get good returns on your investment amount in future, which can be treated as your passive income!
  • Here’s the video series on Mutual Funds for Beginners that covers various aspects of mutual funds, how to invest in mutual funds online, taxation, etc. Watch below video series to understand more about mutual funds
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What is SIP?

  • SIP full form is Systematic Investment Plan
  • SIP is a way to invest in mutual funds regularly to get good returns from market
  • It’s a good way to divide your investment amount into multiple parts and invest small portion regularly to beat the market volatility
  • We get Rupee Cost Averaging benefit which means you keep investing when market is going up and down. This will result in buying of less mutual fund units when market goes up and more units when market goes down
  • Giving time to the market (mutual funds) is the best which is provided by SIP, compared to timing the market that is achieved by lump sum investing.

ALSO READ: SIP Investment in Sensex for 25 Years

How much Returns you get in 10 Years?

Let us take the example of Rs. 2000 monthly SIP with expected rate of return as 12% in a good mutual fund and tenure of 10 Years.

Using the above mutual fund calculator for SIP, we get expected returns of Rs. 4,64,678 out of which profit is Rs. 2,24,678, which is a good profit from mutual fund. Note that this is the estimate returns which is not guaranteed.

A lot depends on the mutual fund you have selected to invest in for such returns. Here are the Best Mutual Funds to invest in you can check out.

Below is the screenshot for above SIP returns calculations:

Mutual Fund Calculator - SIP Returns in 10 years
Mutual Fund Calculator – SIP Returns in 10 years

How to invest in 15 * 15 * 15 in mutual fund?

  • 15 * 15 * 15 is a method of investing in mutual fund in such a way that you invest Rs. 15,000 per month via SIP in mutual fund with expected returns of 15% for tenure of 15 Years
  • This expected return (if it becomes real) can beat the PPF Returns for 15 Years
  • You might get maturity amount of Rs. 1,01,52,946 out of which Rs. 74,52,946 will be profit amount!
  • So as seen, you can achieve the target of Rs. 1 crore by following this 15 * 15 * 15 rule of mutual fund investing

ALSO READ: How to become Crorepati with Calculations

What if I invest 3 000 a month in SIP for 5 years?

  • Yes you can invest Rs. 3000 a month in a good mutual fund via SIP for 5 years
  • Tenure of 5 years should be the least time period recommended to invest in mutual funds
  • You’ll get approx. Rs. 2,47,459 out of which profit is Rs. 67,459 with 12% expected return for 5 years and Rs. 3000 monthly deposit in mutual funds
  • It is very easy to invest in SIP online using steps mentioned in below video

How to Invest via SIP Online Video

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Can I invest Rs. 1000 in mutual fund every month?

  • Yes you can invest Rs. 1000 in mutual fund every month via SIP
  • After 10 years your expected amount will be Rs. 2,32,339 out of which profit is Rs. 1,12,339. Here we assumed returns of 12% for 10 years

You can also watch below video on Rs. 1000 SIP Returns for for 15 Years

Rs. 1000 SIP Returns Calculation for next 15 Years Video

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How to make 1 crore in 3 years by mutual fund?

  • One thing about investing in mutual funds via SIP or lump sum is to have specific goal
  • For example, having a goal to achieve Rs. 1 crore in 3 years is very specific with time mentioned
  • So using the above Mutual Fund calculator for SIP, you need to make monthly deposit of Rs. 2,30,000 in SIP, with expected rate of return of 12% per annum

That is a very high SIP amount per month to achieve Rs. 1 crore in 3 years in a good mutual fund.

It is recommended that you invest in mutual fund for at least 5 years to get good returns. Anything less than 5 years will increase the risk of investment.

Frequently Asked Questions

Which SIP is Best for 10 Years?

There are multiple Mutual Funds you can invest via SIP for 10 years. Index mutual funds will be of less risk and here are some of them:

  • HDFC Index Fund Sensex Plan
  • Motilal Oswal Nifty Midcap 150 Index Fund
  • DSP Nifty 50 Equal Weight Index Fund
  • Motilal Oswal Nifty Smallcap 250 Index Fund
  • IDFC Nifty 50 Index Fund

What is the Average Return on SIP?

Anything between 10% to 15% is a good average return on your SIP for a term of 5 to 7 years. So 10% to 15% is the average returns you should get on SIP in good mutual fund

Is 1 year SIP good?

No. 1 year SIP is equity mutual fund will be of high risk. Whereas, you can invest in Debt Mutual funds (which is conservative fund) for time horizon of 1 year.

Is SIP better than FD?

For long term goals, SIP is better than FD. Here long terms means at least 5 to 7 years of time period.

Where as if you are looking for short term savings with no risk and less returns than Fixed Deposit is the best saving scheme.

Can someone lose money in SIP?

If you withdraw money after short term from mutual funds, during the time when market is down and your returns are in negative, than you can lose money via SIP. SIP needs to be continued for long term to take the benefit of market volatility, which can help you avoid losing money via SIP in mutual funds.

Can you withdraw SIP anytime?

Yes you can withdraw SIP anytime. Mutual fund redemptions can be done anytime, provided you need to look for returns.

If your returns are in negative in short term than you might not get entire principal amount back but only the portion of it depending on return percentage.

Is SIP Tax Free?

SIP are not tax free. You need to pay income tax while you are withdrawing mutual fund units. There are 2 types of taxation on:

Read more about Income Tax on SIP here to know more about SIP Taxation.

Conclusion

So if you are looking to achieve your long term goals with at least 5 years time period, SIP in Mutual Funds is one of the best ways to invest.

Mutual Fund Calculator helps you to see the numbers and for 10 years time period, Rs. 2000 monthly deposit via SIP and 12% rate of return, you get Rs. 4,64,678 out of which profit is Rs. 2,24,678.

Some more Reading:

Get EARLY Retirement!

Use Retirement Excel Calculator that will help you to Retire Early.
Click below button to download Retirement Calculator in Excel:

Download Retirement Excel

Watch how Retirement Calculator in Excel Works

Income Tax Calculator App – FinCalC

For Income Tax Calculation on your mobile device, you can Download my Android App “FinCalC” which I have developed for you to make your income tax calculation easy.

What you can do with this mobile App?

  • Calculate Income Tax for new FY 2024-25 and previous FY 2023-24
  • Enter estimated Investments to check income tax with Old and New Tax Regime
  • Save income tax details and track regularly
  • Know how much to invest more to save income tax
  • More calculators including PPF, SIP returns, Savings account interest and lot more
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Download Income Tax Calculator APP from play store

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